Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/13/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a customer with after Pay and Ive never missed a payment. I have a $600 dollar credit limit. Recently I ordered with Best Buy and they never shipped my Tv even though I paid for shipping. I also had to go and pick the television up which Best Buy compensated me for. After-pay gave me a $30 dollar credit which bought my account to $580 after my last payment. I figured that they credited me and this is why my account *** have a higher credit. Today they lowered it to $568 and I didnt understand why. They told me that they reviewed the account and I had a late payment that was due July 3rd. This is untrue. I placed a new order July 3rd and wouldnt have been able to had I not paid. I would like my account fixed. I never had a late payment.

  

  Business Response

  Date: 07/19/2023

  Thank you for contacting us regarding ******************* refund concern with her Best Buy purchase. Our Customer Experience team has reached out to ************** to address her concerns.
  
  Afterpay is a buy-now-pay-later service that pays merchants directly for approved orders made by customers. Afterpay then allows the customer to split the total of their purchase into four installments, payable every two weeks to Afterpay for its pay-in-4 product.
  
  When submitting an order request with an out-of-network merchant you create a virtual card. Depending on the store you shop at, we might add a small buffer to allow for extra tax/shipping charges from the store, and to prevent order declines. Afterpay will wait until we have confirmation from the merchant of the final order total and then will void the difference. Customers will not be charged for the difference, only for the actual final order total from the merchant.
  
  Regarding Ms. ****** order with Best Buy for $242.53 placed June 24, 2023 - Afterpay records indicate the merchant has processed a void of $30.04. The merchant has confirmed that her final order total is $212.49. This void was processed and applied to her final installment and has been reduced from $60.64 to $30.60, making her whole.
  
  With respect to the current limit on Ms. ****** account, we can confirm it is $700.00. She has an estimated available to spend of $568.77 because she currently owes $131.23 ($568.77 + $131.23 = $700.00). As she pays off orders, she will free up some of the funds to use on other purchases. 
   
  We appreciate Ms. ****** patience while we worked to address her concern and hope the information provided helps clear up any confusion. 
  
  Sincerely,
  The Afterpay Team

• Initial Complaint

  Date:07/13/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, my name is *************************. I attempted to make a purchase on July 12, 2023 at 2:13pm for a product on Wayfair and I wanted to use Afterpay. When clicking check out, there was an error and the order did not go through. However, I was charged by Afterpay. I reached out to the Wayfair customer service several times where they confirmed my order did not go through. I contacted Afterpay and they filed a dispute and say they are waiting for a response from Wayfair to confirm there is no order under my name. The person that I spoke with said they would not be able to refund me since there was no order placed and said Afterpay would have to refund me. When I messaged Afterpay **************** they told me they had to wait for the merchant to process the refund. I've contacted Afterpay many times as well and they tell me the same thing. I just want my refund for an order that does not exist.

  

  Business Response

  Date: 07/14/2023

  Thank you for contacting us regarding ********************* concern with their MERCHANT purchase. Our customer experience team would like to provide them with the necessary support but it seems we were unable to locate an account matching the information they provided under Customer Information. We can only check if somebody holds an account with us or discuss an account with an individual directly or with the individuals authorisation. We ask that the individual get in touch with us directly with this request via *****************************. We encourage them to reply so we can help address their concerns. 

  
  Sincerely,
  Afterpay Team

• Initial Complaint

  Date:07/13/2023

  Type:Delivery Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased from lululemon online on June 21, 2023 using afterpay. I do have Mint rewards so i was able to delay the payment for up to a week, however, I cancelled the order less than an hour after placing it. I was told my the merchant (lululemon) that I would have to wait **** business days for the authorization charge to drop ( basically to contact afterpay and let them know the order was cancelled). It has been about 2 weeks and the order is still showing on my Afterpay account even after contacting lululemon and having them confirm that the entire transaction was cancelled. Afterpay did move my first payment to the July 18, 2023, but the order should be completely gone on their end too. I need the order gone from my Afterpay account before they try to charge me for an order that was cancelled over 2 weeks ago!

  

  Business Response

  Date: 07/14/2023

  Thank you for getting in touch with us regarding *********************** refund concern with their Lululemon purchase. Our customer experience team has reached out to ******** to address their concerns.

  Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, you pay us back over four installments. Merchants are responsible for issuing any refunds owed back to the designated Afterpay account (in accordance with their policies). They have full ownership over their shipment, return, and refund policies, and the timeframes associated with them.

  Once the refund is processed by the merchant and communicated by the merchant to Afterpay- it automatically drops through to us and the Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward. 

  In reviewing ********s account, we can confirm that the refund has been issued. On 7/14/2023, a refund of $116.37 was applied to the customers installment. Since ******** had not yet made a payment on this order the refund canceled all future installments and no monetary refund will be issued. 

  We appreciate their patience while waiting for the merchant to process the refund.

  Sincerely, 
  The Afterpay Team
  

  
  

  Customer Answer

  Date: 07/15/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/13/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Back on 6/14/23 I placed an order with ChicMe through Afterpay. ****** stated my order will be shipped out within 3-7 business days but a month went by and still no order. I reached out to ChicMe to cancel order then filed a dispute with Afterpay to be refunded for the 1st payment I made because ****** stated half of my order was out of stock and they were waiting on the rest of my order to be sent to them and then they would ship it out. I asked ChicMe why are you selling items on your website that are out of stock and then advertising our purchases will be mailed out within 3-7 business days? They never replied back to me and refuse to cancel the order. Afterpay has been jerking me around about this for weeks now and I recently received an email stating my dispute is now closed with Afterpay because of no response back from me. NO ONE tried to call or email me about anything so how can they close the dispute out? Afterpay is being unfair to their customers by siding with these deceptive sellers. I have deleted my Afterpay app and will never use them again! My concern is this will affect my credit that I have worked so hard to try and repair. I have attached pictures of the items from ChicMe they did send to me but I have returned. Out of 6 items I ordered I only received 3 which were damaged! I sent all this information to Afterpay but they do not care! I can provide BBB all the emails from Afterpay and chicme if needed a long with snapshots of all the calls I placed to both businesses to get this sorted out but now they will not respond back to me. Please help me with this!

  

  Business Response

  Date: 07/17/2023

  Thank you for contacting us regarding ********************* order with ****** placed on June 14, 2023. Our customer experience team is in contact with ***** to provide them with the proper support.
  
  Afterpay is a budgeting service that is used to divide approved orders into four installments. Our Installment Agreement outlines that we will pay merchants for the cost of approved orders up front, and in turn, our customers pay us back over four installments to satisfy the amount that was paid upfront. 
  
  Per the agreement, merchants are responsible for the delivery of goods and issuing any refunds owed back to the designated Afterpay account. Our partnered retailers take full ownership of their shipment, return, and refund policies. Until the merchant issues a refund, your payment schedule remains in place according to our agreement. More information on our Installment Agreement can be found through this link - ********************************************************************;
  
  ***** has confirmed that the delivery they received on July 5, 2023, contained 3 of 6 items. In order for a refund to be issued for those items, we recommend you follow the merchant's Return process listed on their site - *******************************************. We understand that order discrepancies occur. When this happens, we recommend that our customers remedy the situation with the merchant (according to their policies) if possible. Contacting the merchant directly is typically the quickest resolution method.
  
  Regarding Tammys concern with credit reporting Afterpay is not obligated to furnish credit reports for pay-in-4 loans to consumer reporting agencies. Please keep in mind that Afterpay complies with all applicable laws and regulations.
  
  We appreciate *****'s understanding and invite them to reply if they have any questions or concerns.
  
  Sincerely,
  The Afterpay Team

• Initial Complaint

  Date:07/13/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******************* Pop on order ******** Afterpay order Online # ************ Amount paid 146.66 4/28 Second payment 146.66 5/12 The second payment got a refund of $***** Pop on veneers says they refunded my full payment to Afterpay on 6/26 at 1:56pm and now Afterpay is saying its pop on veneer ** Afterpay wont refund me more than ***** which is 1/4 of what I paid.

  

  Business Response

  Date: 07/18/2023

  Thank you for contacting us regarding ************** refund concerns with her Pop on Veneers purchase. Our customer experience team has reached out to **************** to help address her concerns.
  
  Afterpay is a buy-now-pay-later service that pays merchants directly for approved orders made by customers. Afterpay then allows the customer to split the total of their purchase into four installments, payable every two weeks to Afterpay for its pay-in-4 product.
  
  Once a return is processed by the merchant and the refund is communicated by the merchant to Afterpay- it automatically drops through to us and the Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward.
  
  Regarding Ms. ******* order with Pop on Veneers Afterpays records confirm the merchant Pop on Veneers processed a refund of $367.65 on 6/26/23 to her Afterpay account. Prior to the refund being issued, **************** had only made (2) of her payments towards this order, a total of $293.32. The 3rd and 4th installments on this order remained due.
  
  Once the refund of $367.65 was processed, the Afterpay system automatically applied the refund to the 4th and 3rd installments, reducing them to $0.00. This then left a refund balance of $74.32. Since **************** had already paid her 2nd installment of $146.66, the remaining refund amount of $74.32 was credited back to your **** on 6/26/23, making her whole.
  
  We appreciate refunds through Afterpay can be confusing. We hope the information provided helps clarify how her refund was processed. We invite **************** to reply if she has any questions or concerns.
  
  Sincerely,
  The Afterpay Team

  Customer Answer

  Date: 07/19/2023

   
  Complaint: 20315985
  
  I am rejecting this response because:

  All items were fully returned to Pop On therefore no 3rd and 4th payments were to be made.  They even show they were cancelled in their own records at Afterpay.  Theyre holding money owed to the customer.  See attachment showing amount I paid, and that the last two payments were cancelled ** pop on posted a refund to Afterpay. Now Afterpay is keeping the money. 
  
  Sincerely,
  
  *******************

  

  Business Response

  Date: 07/20/2023

  Thank you for providing us with Ms. ******* response. Please allow me to explain our service. Afterpay is a budgeting service that is used to divide approved orders into four installments. Our Installment Agreement outlines that we will pay merchants for the cost of approved orders up front, and in turn, our customers pay us back over four installments to satisfy the amount that was paid up front. Merchants take full responsibility over their return and refund policies. Until the merchant issues a refund back to Afterpay, our customer remains responsible for paying the outstanding installments.

  
  Afterpay's records confirm that the merchant, Pop on Veneers, has only communicated a refund of $367.65 to Afterpay. The entire order amount approved with Afterpay was $586.65. ($586.65 - $367.65 = $219.00). The refund amount of $367.65 processed by the merchant, left **************** with an adjusted order amount of $219.00. She is seeking her full refund from Afterpay however,  Afterpay cannot manually process refunds. 
  **************** paid $293.32 of the $586.65. This is why she only received a refund of $74.32, not the original $293.32 she paid. 
  
  In order for a full refund to be issued back to ******************** card, Pop on Veneers need to process an additional refund in the amount of $219.00. This will then trigger our system to initiate a refund for the remaining balance. Until then, **************** will not receive a full refund for her return. 
  
  **************** has been advised that there are various processing and return fees the merchant does not credit back for - **************************************. All refunds and adjustments are at the discretion of the merchant. 

  
  We understand that potentially these responses may not be the outcomes you were hoping for. Afterpay consider this complaint closed as we are unable to address this matter any further than already outlined above and in recent communications with ***************** 

  
  Thank you, 
  The Afterpay Team
  

  
  

• Initial Complaint

  Date:07/13/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ISSUE: AFTERPAY will not refund me for return merchandise to SAVAGE FENTY. I sent two separate returns back but only receiving credit for 1 (totaling $31.03 for the first two items). I am still due a refund of $16.24 for the 2nd return (3rd item). Total returns equal $47.27 for three items.COMPLAINT AGAINST: AFTERPAY Merchant: SAVAGE FENTY Purchase date: 3/27/23 TOTAL AMOUNT: $93.09 Order #: ************ Afterpay Ref # ******** I returned 2 items (bras @ $14.50 (tax not included). Afterpay did credit (adjust) my account/original $93.09 balance by $31.03 (less returns).I then returned a 3rd item to SAVAGE FENTY totaling $15.18 ($16.24 with tax).The total adjusted/credit that should show on this purchase with Afterpay is $47.27. Not just $31.03. AFTERPAY is not agreeing to refund me the 2nd refund (3rd item) of $16.24. I've sent 7 messages to this company requesting assistance with the missing $16.24 and I keep getting the run around. I have attached the chat transcript that I had with **** at ****** FENTY on 6/23/23 who confirmed they credited my account on their end both $31.03 (4/12/23) & $16.24 (4/25/23- on transaction ID *********. I have shared this same information with AFTERPAY multiple times (VIA WORD ********** (which was an odd request from *****) so they could conduct their own investigation and provide me with my missing monies but to this date, I've continued to receive responses for different AFTERPAY agents informing me that my issue has been escalated to a specialist (see all listed below) but with no resolution to date. I am continuing to get the run around from this company. 6/24/23 *********************************** Customer Resolution Team 7/6/23 ********************************************** Team 7/10/23-Raymart-Customer Support 7/12/************************************ Customer Resolution Team who is supposed to be the case manager on this complaint now.

  Customer Answer

  Date: 07/14/2023

  Just want you to know that Afterpay has agreed to refund me the missing monies. Ill forward you a copy of their email that was received after I filed this complaint.

   

  Thank you in advance.

   

• Initial Complaint

  Date:07/13/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After pay withdrew the full amount of $500 from my acct with out authorization

  

  Business Response

  Date: 07/14/2023

  Thank you for contacting us regarding ***************************** concerns regarding their Afterpay Account. 

  At this time we can confirm that a complaint resolution specialist reached out to ******* on 7/13/2023 to assist with their request. We ask that they reply so our team can further assist with their concern. 

  Additionally, our team is readily available around the clock to address customer inquiries digitally. We also provide support through our *********** located on our website at afterpay.com. 

  We will continue to work with ******* until their issue is resolved. 

  Sincerely
  The Afterpay Team
  

  
  

• Initial Complaint

  Date:07/12/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I placed an Order on July 11th using Afterpay on ***********************. Maybe there was a glitch and *********************** did not confirm the order in their system. Afterpay sent me their confirmation email which includes Afterpay order number: ************ and Merchant (***********************) order number: Z000005299 I never received an official confirmation email from *********************** and nothing in my spam email. When I checked on their website using order tracker there was nothing found. I called *********************** customer care team and when they searched themselves there was also nothing found. The agent told me it looks like the order was not captured in their system and the pending hold should be reversed. With this information she told me it was okay to reorder. I did repurchase the items and received a second afterpay confirmation and a *********************** order confirmation. My issue is now I have two active *********************** orders set up for installment payments when only one is correct. I have two separate charges on my card when there should only be one active order. This should not happen if the merchant order was not approved on their end. I should have never received a confirmation for afterpay and their should not be two active payments. I have tried contact afterpay and the merchant to no help. I need this solved as soon as possible because i can not pay for two of the same active orders while waiting in the mean time.

  

  Business Response

  Date: 07/14/2023

  Thank you for getting in touch regarding *********************** order discrepancy with ***********************. Our customer experience team has reached out to Cadrea to address their concerns. 
  
  Afterpays records can confirm that the merchant *********************** has processed Cadreas purchase twice. As a result, two separate payment schedules were created. If an order is approved through Afterpay but unsuccessful with our partnered retailer, a refund notice from the retailer is sent to our system to void the order. This notice prompts our system to process the refund.
  
  In reviewing Cadreas account, we confirmed that the refund notice from the merchant to void their order was not received, delaying the refund process. O 7/14/23, a refund was processed to their account, prompting our system to cancel their installments and refund their initial payment of $31.05. The funds should clear into their account in 5-7 business days (standard bank processing time). 
  
  We appreciate their patience while we worked to resolve their concerns.  
  
  Sincerely, 
  Afterpay Team

• Initial Complaint

  Date:07/12/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 3rd 2023 I made an online transaction (Finishline) with Afterpay payment method for an amount total of $83.43 with my last payment scheduled for Sat, Jul 15 2023. On Jun 13th 2023 (In-store # ************) is when an unauthorized transaction for the same merchant and same item price of $83.43 under Afterpay purchase history. *** contacted both Afterpay and merchant (Finishline) to resolve this unauthorized double payment for the same item, however my issue has not been resolved. For my issue to be resolved is for unauthorized transaction 1 out of 2 to be refunded the full amount of $83.43 made on June 13th 2023 (In-store # ************).

  

  Business Response

  Date: 07/13/2023

  Thank you for getting in touch with us regarding ********************* refund concern with their Finish Line purchase. Our customer experience team has reached out to ****** to address their concerns.

  Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, you pay us back over four installments. Merchants are responsible for issuing any refunds owed back to the designated Afterpay account (in accordance with their policies). They have full ownership over their shipment, return, and refund policies, and the timeframes associated with them.

  Once the refund is processed by the merchant and communicated by the merchant to Afterpay- it automatically drops through to us and the Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward. 

  In reviewing Janiels account, we can confirm that the refund has been issued. On 7/23/2023, a refund for $41.71 was issued to the card on file. The funds will clear into the account in 5-7 business days (standard bank processing time).  

  We appreciate their patience while waiting for the merchant to process the refund.
  Sincerely, 
  The Afterpay Team
  

  
  

• Initial Complaint

  Date:07/11/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company keeps finding a way to penalize me for things that are not my fault. This is the 4th to 5th time Ive had the same problem. Ill try to change my due date I contact somebody because there was a date change in my pays. I just need it to move my payment for days. They told me that they could move one but they couldnt move the other. Then I get an email stating that the payment they said they were going to be able to move was unable to go through so they never move that payment and I have emails to verify all this information. I asked to speak with a supervisor because the only way you can communicate with them is via chat. I got an email verifying that they would be escalating my situation and my issues and somebody will be contacting me. That was three days ago. I just sent another email to the company because they took away my spending power. *** spent more money and pay off accounts and I dont think I should be penalized by taking all my spending power away. I have requested to speak with a supervisor again today and I have heard nothing. I spend a lot of money with this company, and I pay off my orders and I dont feel like they have a right to penalize me by taking all of my spending power away. I had a spending power of almost $200. I just looked just now and it was all taken away for me. I want my spending power back and I want my late fees waived and I want my payments waved when they were supposed originally wave them and end up putting the payment anyway.

  

  Business Response

  Date: 07/14/2023

  Thank you for getting in touch with us regarding ************************* recent experience with their Afterpay spending limit. Our customer experience team has reached out to ******* to assist with their concerns. 

  We are a budgeting service, committed to promoting Responsible Spending. The spending limit on an account is the estimated amount that customers can spend using Afterpay and may change based on a variety of factors including payment history. If payment is made late (even if it's paid within our 10-day grace ****** to avoid incurring a late fee), our system reviews the repayment history for future purchases and may reduce the spending limit on the associated account. 

  While late payments do impact one's spending with Afterpay, it is only temporary. As customers continue paying their installments on time, it will positively impact their repayment history and our system will reassess their spending limit.

  Our customer experience analyst has emailed ******* to provide them with additional information regarding the changes to their Afterpay account. We encourage them to reply if they have any questions or concerns. 

  Sincerely, 
  Afterpay Team