I would rate it a zero but I can't! All was fine made a few purchases using Klarna, then all of a sudden I made a purchase and was double chargered for my original deposit. The after trying to get a resolution with them about this, they told me that 1 of the charges had been reversed, but my bank never received a reversal and the bank shows that both charges where paid to Klarna. Klarna has sense made the decision that I have to pay this money to them yet again even even after sending proof.