Hi there im just wondering if anyone else is having this problem im trying to upgrade my phone through the upgrade program, to the fold 3 and evey time it pops up with sorry you can't use klarna for this purchase my i have been using the samsung upgrade program for 2 years now haven't had no problems until now, i have rang samsung they haven't been much help and klarna don't bother helping ether. If anyone has manged do it can you let me know please thanks. If this doesn't im thinking about leaving samsung until thry fix this problem but they probably won't.