If you would of asked me 6 months ago, I'd tell you how wonderful this app is. But the new terms I have NO SPENDING FUNDS. I think I've had 1 late payment in 2 years, but always paid everything off and the late was by a single day. Once I have everything paid off I'll be leaving klarna. Love love loved this app, but if this isn't fixed, I gotta go, cause I can't use it.