THIS APP COULD BE BETTER IN THE TIMES NOW KLARNA AND SHOP SHOULD BE USED FOR CREDIT FOR OUR GENERATION BC I USE USE THIS MORE AND I HAVE SEIZURES SO I CANNOT OPERATE VEHICLE TO KEEP PPL SAFE SO THIS SHOULD BE USED AS CREDIT BULIDER IT MAKES SENSE. AND I RATE 2 STARS BC MY JOB SENDS US PREPAID CARD TO ADD OUR PAYCHECK EVERY WEEK BUT I CANNOT ADD THAT CARD ON KLARNA OR SHOP BC ITS PREPAID THAT SOUNDS DUMB IF U WANNA GET PAID AND NOT COMPALIN ABOUT A MISS PAYMENT THEN ACCEPT ALL PAYMENTS! It's 2022