If I could give lower I absolutely would. I have had klarna for at least a year I've purchased many many and many of items at one time I've had like $2200 out that I've owed and they update how they do things so this has caused my credit with klarna to be $150 now no 2 months ago I was able to buy a $500 TV today I can't even buy anything that's worth $150 because there's taxes I will never use klarna again so disappointed I've never been late always paid before it was due..BS