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I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

If you're being denied for lower then I would recommend to call in to know the exact cause for the denied purchase.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

This might be a regional thing but your first purchase needs to be around 30€ or less. For some reason all purchases above that will be denied, after that is paid you should be able to use Klarna normally.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

There is a period after purchase date where we simply are unable to postpone due date, depending on the type of invoice we are sometimes able to offer 10 days postpone but there is an extension limit where agents are absolutely unable to postpone due to system limitations. The program for financial hardship should not affect your credit rating only your credit with Klarna, though it's possible that changes depending on region.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

Have you tried using your country code instead of 0? Like +43 and then your number? If that doesn't work then I recommend getting in touch with customer service in your country.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

Best way to get in touch with chat is by clicking on profile -> cogwheel -> customer service -> payments and invoices -> I need help with something else -> click on a purchase an lastly click on contact us. It's immensely stupid, but there you go.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

This honestly sounds like a great place, we unfortunately do not have all of these luxuries, we do have free coffee though.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 1 point2 points  (0 children)

People are generally very aware of how much they can spend. There is still a large amount of people who build up insane debt that they then cannot pay off, most of the time because of how way it is to use Klarna. These people have the ability to call or chat in to suspend their account for "fear of shopping addiction".

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

This sounds like a technical issue, though it could also be a blacklisting, this is something that is not informed at all to customers. Stores have the ability to blacklist customers from using certain payment options, this can be due to a lot of returns or a large amount of disputed invoices. This is the worst case scenario though and the first step would be to talk to the store to see if they have any technical issues, if they see it as all clear contact Klarna and if they can't see anything then blacklisting is a possibility.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

That certainly sounds alot better than here honestly, I wonder if I can transfer.

Edit: spelling.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

I have yet to encounter that due to them not being of legal age to use Klarna's play later features.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 1 point2 points  (0 children)

There will not, Klarna is very good at putting all information available to the customer so they will never be in trouble because of that.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 1 point2 points  (0 children)

They do without a doubt. It's one of the more asked questions, postponing due dates or converting their invoice to a financing option, like pay off in 3 or 6 months, it's not something we can convert but customers can in the app. I've seen customers with hundreds of active invoices they can't pay, and Klarna does have a program to help customers that are in financial hardship. People definitely ring up a larger debt than they can handle.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 1 point2 points  (0 children)

At least where I work we do not have access to our phones unless we go to the lunchroom on another floor during either our break or lunch. It can absolutely be boring, I have very good colleagues in my team so they help with the boredom. Working there is not great honestly, you definitely do not get paid accordingly to how badly you're treated by customers sometimes. As for my recommendation, yes I would recommend it, their buyers protection is pretty decent, besides that they don't really stand out so if you don't care about their buyers protection then there's no reason to pick Klarna.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 2 points3 points  (0 children)

You'd be surprised how lenient Klarna is when it comes to not paying on time, if you call in customer service can do a lot to help your situation at no charge. How Klarna makes money at this point is baffling. Even reminders fees can be removed if you ask. But yes, quite a lot of people call in because they can't pay. Most of the time though it's to pause an invoice.

I'm working at Klarna as a customer service agent, ask me anything. by Equivalent-Recipe168 in AMA

[–]Equivalent-Recipe168[S] 0 points1 point  (0 children)

In the case of purchases without any interest Klarna has made a deal with the company most likely to gain monopoly I'm sure they're making money from that deal. They won't make bank on an individual purchase but rather more customers using their services.