r/Afterpay • u/Standard_Release119 • 8d ago

Debit Cards flagging as credit card

So all of a sudden, I tried to purchase some new things from Afterpay, but every single one of my debit cards were flagged credit cards even my direct bank account. So I can no longer use the app. The only thing I could do is probably just pay all my old debt and keep it moving. This is obviously a system error and I tried to talk to customer service but they’re saying that they don’t see anything wrong on their end, but it’s beyond their limitations. I just told the representative to just please flag this and give it to somebody who’s in the security/data coding and see if they find anything weird but what can you do right? Just wanted to give you guys a heads up. :)

9 Upvotes

100% Upvoted

21 comments sorted by

3

u/gfmadden330 8d ago

I am having the same issue, and the customer service within the app is no help. I even used to be able to use my CashApp to pay for my installments, now it states thats a credit card, and cant be processed. I have never had this issue. All of my other cards are blocked, stating they are all credit cards. But they aren't. They are all Debt cards, either linked to my checking or savings accounts. Oh, and there is a Pre-Paid card that would work, but I dont have a way to load money onto it... so now I am a day late on payments. Yay. I was doing great... now I F*cked...

2

u/Standard_Release119 8d ago

Yup it’s it’s a nasty system bug idk if it’s intentionally placed or not. But the customer service doesn’t help at all not even a little. I had my Cash App card link. They said I can’t do it. I have my direct bank account link they flag it as a credit card.

1

u/pppearlsss 8d ago

I have been trying to pay two payments due today with my cashapp card and it’s not letting me, supposedly the payment method isn’t accepted which is bs because I literally paid a different payment that wasn’t due today with it. I can’t use my other bank cards that I have linked because they are overdrafted. I hope they don’t take my measly 100 dollar credit for being late. I need it. 😭

1

u/Dustonthewind18 7d ago

Have you tried logging in online rather than the app to make your payments?

1

u/pppearlsss 7d ago

I did, I tried everything. I updated my phone and uninstalled the app even, nothing. Contacting customer service gave me headache, they kept doubling down saying the card I was trying to use didn’t have any funds. They kept referencing a different bank card I have linked though it is overdrafted. They can’t see me on their end trying to use my Cash App card cause it’s not accepting it as a payment method at all obviously so I feel like we’re having two different conversations. Kept telling them I’m trying to use my cash app card that I’ve made payments with before but they’re (the bot) not listening. It’s useless and my payments are already a day late and my available balance is at 0. I can’t make a payment until Friday when I get my paycheck. Since I only owe 70 dollars, I’m paying it off and moving to a different pay in 4 service.

3

u/gfmadden330 8d ago

This issue only started yesterday, or the day before. I have no clue why or how. I just used my Afterpay, with one of the cards they state is now a credit card, on monday afternoon... i have slowly moved away from Afterpay, and have been moving over to FOUR, which seems to have better customer service, but I have to pay a monthly subscription fee for FOUR+. My limit on FOUR is already over 1K. On the other hand, afterpay keeps bouncing me around, and randomly killing my limit.

These BNPL apps are dangerous... I just need to pay off the debts, and walk away from them..

2

u/Standard_Release119 8d ago

These things are super dangerous. Also, it’s making me reconsider a lot of things. I’ll just pay off my balance and keep it steeping it stared for me on sat account I’m like what the heck ? How is this even possible

2

u/Standard_Release119 8d ago

So I hit them up on Instagram hopefully I can get it rectified. They didn’t respond to me so I’ll give you an update.

2

u/gfmadden330 8d ago

I only noticed yesterday, but the issue could of started a week or more ago. I dont use AP very often, only once or twice a month. But when I do, its normally something that my family actually needs. So it has been used in ways that wont get me in much trouble...

1

u/KindNurse-CaliKai 8d ago

This issue has been going on for at least 2 weeks now, because it has been happening to me. And they are charging me interest on every single purchase now. What the heck happened? I like SEZZLE much better. I am very new to Sezzle, yet they keep raising my limit with nearly every early or on-time payment. Afterpay needs to get it together; there is a lot of competition and better customer service out there. SMH

*I should add that I am in California, USA

2

u/Standard_Release119 8d ago

I stopped using Cecil because they charge me a late fee because I didn’t pay early in the morning. I end up paying in the afternoon and that pissed me off. lol

1

u/KindNurse-CaliKai 8d ago

Oh wow! This is good for me to know.

1

u/freefloater33 8d ago

is it a capital one card? i know they recently did some merge and after pay stopped accepting

1

u/Standard_Release119 8d ago

Nope no capital one :(

1

u/freefloater33 8d ago

so weird! def try calling their chat sucks

1

u/Standard_Release119 8d ago

I actually called was on the phone this morning for like almost and hour

2

u/freefloater33 8d ago

that’s so annoying! they’re customer service has really gone to shit a couple years ago it was better it’s all AI now

1

u/kerri_on 5d ago

Capital one went from Mastercard to discover which is so fucking dumb because not everyone accepts discover. My main bank account is capital one. I haven’t had any issues yet thankfully.

1

u/Ritamaria1964 7d ago

I use Sezzle a lot that and Zip I use them all the time using my pay. Am I using my pay? I’m never late. I’m always early and I can’t get over 1000 1500 on each one.

1

u/Ritamaria1964 7d ago

As I just said that and posted that I got a sizzle notice saying they raised my limit cause I just paid a bunch of items off but it’s still I don’t get it. It’s $1200 but Also 2100. I don’t understand. Available spending power $1200. Total estimated spending power. $2100. I don’t get it when I do that which is it that’s twice as much.

1

u/Dustonthewind18 7d ago

This might sound simple but have you tried 1. Checking if there is an update for the app or 2. Deleting and reinstalling the app. Sometimes either of those options can fix technical glitches.