So after reading other reviews I see now that klarna has started using credit history as a way to decide how much to lend. It doesn't matter that I've had this app over a year and never been late on a payment. Overnight I lost $1000 purchase power. One of the best parts of klarna was they didn't use your credit history but instead allowed you to make small payments at first and built up your limit that way. Guess I'll have to delete this app. Sucks.