Declines every order even though I have high limit. Customer service gives dumb generic answers and wouldn't be surprised that my negative feedback is the reason for the declines. Zip is 100x better. UPDATE Emailed and they take forever to respond. Since I have this feedback, they lowered my limit. Unethical, unfair and deceptive retaliation by this business. If i could, would give 0 stars. Go to others instead of Klarna.