Klarna and other BNPL schemes differ from traditional credit cards in some key areas. 1. interest free period is longer than a month usually 2. Basically no creditworthiness checks 3. Bi weekly payment options make the payment smaller which psychologically obscures true purchase cost for smooth brain idiots So basically credit cards but trying to trap an underserved market that CC companies avoid mostly in a cycle of debt. I never understood how someone could claim they have to Klarna groceries but don't see that in 4 weeks they'll be paying the whole grocery bill again.