I use Klarna for basically everything I buy. I should probably reevaluate that. But I’ve had no issues so far. It notifies me when my payments are due. Helps me collect the sum of what I owe each month, each week. Helps me group payments to pay similar/connected things simultaneously, categorize purchases, etc, etc.

I really hope there’s nothing dodgy going on there. But at least I’m not giving them interest on anything I buy. Always make sure I’m paying my stuff on time, and no postponed payments.

I’m guessing their business model is to exploit people who have issues paying on time and to collect interest and late fees, as well as receive convenience fees from stores implementing Klarna as a payment option.