Klarna: Smarter everyday money

I used to love this app. Told all my friends about it. Made my payments on-time, if not paid off early. Had one issue one time and you are pretty much labeled as no longer worthy (and trust me they always got their money-that wasnt the issue). Started having issue after issue after that. Paid off what I owed and finally gave up using it. Just got a notice (10/15) of some bs reason I was denied something back in JULY. And customer service is zero help. Now they run credit. uninstalling.

WARNING klarna will randomly do duplicate payments already made out again, 6 days later as a "billing error" contacting them will do no good it's a "pre authorization" when it's unexpected and 2 weeks before Christmas this is a massive issue. They've been holding it for a week. They also largely go off your credit score, despite what they say it says "you are denied due to your credit score" for a 500 dollar fridge for example when my spending limit is 1k. On time payments don't benefit you.

We were desperately trying to get new tires. I went through every step. Put in the amount and it gave me 4 options. I was IMMEDIATELY declined for 3 of them. But the 4th one approved. Added my bank, got the money, set the appointment for the tires, agreed to the terms & then last second, declined. I get an email explaining & that's fine but why let it go that far? They all declined on the spot why let one go all the way to the end before declining it? So thanks for the false hope. It was great.

Don't Order From Amazon With Their Card they declined the rest of an order like the amount didn't exactly match the remainder of the payment plan and Amazon pulled 90 from my bank account. Customer service is some kind of no help AI that told me I should make sure I have enough money in my accounts. Ridiculous. First and last time that I will use for Amazon payments. My day/week was already bad and Klarna just piled on top when it was used to give me a break.

It worked just fine at first, as expected. But then I had my info leaked in a data breach and locked one of my credit files. I forgot and when I attempted to make a purchase I was denied. I figured it what was wrong and unlocked my file but still was denied. For half the amount of my previous purchase which I paid off early!! Now they want half up front and then split the remaining half into 3 payments. I'm probably going to use other BNPL apps after this experience.