Have had this app for over a year..was great at first until last week my spending power was $700 and overnight it dropped down to $40. I contacted customer service 3 times, the 1st 2 told me it would be fixed, the 3rd one told me that's my new spending power due to an update. I have never missed a payment with Klarna, yet they drop the spending power next to nothing for no reason. Horrible app and am done with Klarna and their wishy washy spending limits!!!!!