Klarna | Shop now. Pay later.

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Found this app and was so excited to use it! I found a few stores we shop at on here and was excited to start getting some things we needed and be able to pay them off over a short period of time without worrying about a credit check or interest etc. When it came down to funding the ghost card, I first got a error message saying it couldn’t be processed and to either add another card or form of payment. I double checked I entered all of card info correctly and I did! So I tried again and once more!! Then it tells me I’m not approved?!! I don’t get it! So I call Klarna customer service and they tell me they look at past history, bank info and means of paying back the purchase. I’ve never had a Klarna account in my life and I’ve never had a negative bank account. And The purchase I was trying to start out with to try this out was only $53!!! I don’t get it?! The rep on the phone tells me there’s nothing they can do to over ride the decision and I’m just not able to shop with them I guess? Super disappointed. I read some other reviews and agree that you must be pulling other information on people because I have no other things against me to not allow me to find the ghost card to shop! I have way more than the amount in my account to find the ghost card first off and two, I’ve never had an account. I wanted to do a small order to test this out and guess I won’t be using it or recommending it. Super disappointed!!! Not very helpful either!

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I originally wrote a stellar review about the app and service but after two successful purchases it now does exactly what other poor reviews say it does. Even with good CC’s with high limits it says unable to use a perfectly good card/cards. It’s insulting especially when you’re not only in good standing with them but your credit is good. Every time I reach out to them they say uninstall then wait and then reinstall x 3 now. Latest chat support says to uninstall and take time (days/weeks??). Like any “credit” service you should be able to enjoy your good standing, not deal with this kind of frustration. I think from some of their responses they’re pulling you in by allowing you to shop “outside” but steering you to shop with stores they’re partnered with after. Enjoy it while you can but run away from the sheer frustration after. Moving on to more user friendly apps. ****update**** Klarna says I’m not eligible to use the app now even though I have one paid purchase and another purchase in good standing with a few more payments left. So then how am I ineligible? They freely admit the app and the algorithm is troubled but want to throw shade at the very people trying to use it and spend money in good faith. Try the other similar apps. I tried QuadPay to see if it was a similar experience and it was faster and easier! Run away from Klarna! And don’t let them tell you it’s your fault when it’s their messed up app.

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Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!

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I started using this app in July and found it to be awesome! I made my first purchase which happened to be airline tickets for 5 people and was a little under $900. I fell in love with the app! I used it to help with back to school for 3 kids and a gifts for family members and just other everyday stuff to help get through some tough times. I was recommending it to everyone... I’ve always made my payments on time (like that’s hard since they’re automatically withdrawn) without a problem and even found it easy when I had to get a new bank card to change the information over. I had nothing but good things to say about this app; then I tried to used it for something a couple of days ago and can’t get approved for a ghost card period. I tried all amounts from the lowest of $35 to highest of $918 and also tried different stores. After reading other reviews it seems like maybe they are closing shop. If no one is getting approved for a ghost card then what’s the use of this app? I’m kinda disappointed because I was really hoping to use it for Christmas shopping. I contacted them through chat and seem to have gotten the standard response. Very disappointing! Now since I’ve written this it’s saying that I have to use a different card. But they can continue to use that same card to pay off my other purchases. It’s not a prepaid or credit card. It’s a bank issued debit mastercard with a chip.

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Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.