u/Independent-Time912

I recently started using Klarna again. I have a very low purchase power, but totally fine with it.

I use it for small purchases so I can build my purchase power and it’s not outrageous when I pay back. But every time I create a plan with them, my initial payment is 50% of what my total is. Is this happening to anyone else?

It’s a little frustrating because you’re trying to make your budget stretch but you still have to pay half up front.

I’m in the process of burning all the apps. I cancelled my account yesterday with Earnin after taking everything out from them (talk about modern day bank robbery)

If I cancelled my account, will that stop the ACH authorization or should I manually do it from my bank?

Is there a hierarchy of which cards you could be approved for? I keep getting offers in the mail but I never apply because I think it’s never going to be approved.

I’m in the process of boosting my credit score and getting out of the merry go round of crappy credit cards. My score isn’t the greatest but I have good payment history with my only CC. I’ve been a NFCU Member for almost 2yrs.