I was on a payment plan for a purchase, a few intros into which my credit card expired. I updated it in the klarna app, but the next month the payment still failed. I contacted customer service asking for help, and they said to update it as I had, and that the next payment should be fine. about 6 weeks later they sent me to collections. On calling them in response to this, they claimed there was nothing I could do. My only option was to pay the balance in full, which I did under duress.