I dont see it as borrowing money though its literally just splitting the cost in 4 separate payments. It's not credit that theres interest on etc.
No it doesn’t affect credit scores by using it if youbuy and pay when you should. The tit would only hit the fan if you didn’t pay your balance when it’s due.I think klarna can have a negative impact on one's credit score.
I don't shop online a lot, but I don't mind waiting few days for a refund.
Isn't klarna treated like a credit card though? You could use it so there is a riskI use it but it is very easy to spend way too much; especially if you use different email addresses for different websites as it creates a separate Klarna account.
I had to create a spreadsheet to keep track of what I owed and when it was due. I don’t think it affects your credit search unless you miss payments. They don’t do a check when you set up your account. It just asks for your email address and date of birth.
I like Clearpay too!Never used klarna but I love clearpay. Think it is something similar?