The rule, passed under the Biden administration, makes it as easy to cancel a subscription as it was to sign up.

Affirm offers a wide range of BNPL plans to choose from, including a pay-in-four plan and monthly payment plans. It charges zero fees. Payment plans Pay in four installments, due every two weeks.

The more you use your card, the more you’re going to earn, so it’s understandable if you’re considering using your credit card to pay recurring monthly bills. But is this always a smart idea?