First time user, can’t use?
I’m trying to make my first Klarna purchase and I’m confused about why it keeps getting declined.
I’m 18 and I’m trying to buy a $70 Vietnam War-era M1 helmet on eBay. I only have a debit card, not a credit card. The eBay listing is categorized under Hats & Helmets.
Klarna shows that I have $100 in purchase power, so I assumed a $70 purchase would be within the limit. However, when I try to check out, it initially gives me a payment plan of about $18.94 every 2 weeks.
Then Klarna offers an adjusted plan where the first payment is $32.86, followed by $14.30 every two weeks. Despite offering the adjusted plan, it ultimately declines the purchase.
I’m a first-time Klarna user, so I’m wondering if that could be the reason. Could using around 70% of my displayed purchase power on my first purchase cause it to be declined? Or is there something else I’m missing?
I’m mainly confused because Klarna says I have $100 in purchase power, but it won’t approve a $70 purchase.