Never had any issues with Klarna until it decided to not let me purchase anymore. You're better off talking to a wall than the customer service because they're paid to do nothing but tell you how sorry they are for you. I never once was late on a payment. In fact, I've always paid earlier than I was supposed to just to show incentive. It was all a waste of time and money in the long run. I'll just use Afterpay for now on.