I used to have a 936 purchasing power. I often paid my purchases off early, a couple times I was late by a day and I wasn't punished for it because I made sure to pay it the very next day.. Now it's zero. My credit is poor and Klarna helped with things when I really needed it. I also have no clue why I cannot pay off my purchases early anymore, as I did this with most of my orders. Today I logged in to pay off my order with home depot early, to find a zero purchasing power and no longer able to pay off my orders early. I don't get it at all this has really bummed me out as this helped my Mom and I out a lot in between pay checks. Especially when I had flooding in my basement and ordered a pump accessory for my shop vac. I loved Klarna, I can't really utilize it anymore. I get it, it's not Klarna's fault my credit is terrible, but wow, I wish I was punished for a better reason like not paying off my purchases on time. Sorry I paid them off early? :(