I've used klarna for a few years now, and made every payment on time or early. I get on klarna and my purchase power go's from 1285.00 to 600.00. I tried to do 6 month option in which I've paid off two already on time. I get declined every time and klarna customer service is one of the most unhelpful services I've seen. They don't do any investigation on your issue. It really sucks because I liked klarna over any other service.