I received an email about a declination on a purchase attempt due to the fact I had not yet made a second payment on Klarna purchases. Notice I said "not yet made", I did not say overdue, late or unpaid. In my last payments to Klarna I did in fact make 2 payments for all my purchases except one with an auto pay option. I don't recall what I may have tried to purchase and hadn't even though of it until I received this email from Klarna, but I do make timely payments so I don't understand this.