Same issue for me. I contacted klarna who said it wasn't due to credit, rather their search on my credit file couldn't verify me. I've looked at the hard search, the details match the search by klarna from last year exactly. They said it's an automated system and they can't change the decision.
Tried chrome, edge, firefox, signed into samsung, signed out, different email address, different device, different network, nothing works and nobody either samsung side or klarna side is interesed.
Im looking at old topics from january when this happened and it looks like it never got resolved... ive been upgrading with samsung for the last 4 years and now i cant? Is this it then? i have to stop upgrading....
Hey there, I had this exact same problem last year when I was trying to go from my Note 10 + to Note 20 Ultra, despite having a really good credit score too. I wouldn't bother trying to contact either Samsung or Klarna again as like someone mentioned before they simply blame the other. I was close to giving up as my upgrade window was closing, until I found a random thread saying that it might actually be a browser issue. I was sceptical but was willing to try anything at that point. For whatever reason, I tried to going through the upgrade process on the Samsung Internet app on my phone rather than on a desktop with Google Chrome/Microsoft Edge and by some kind of miracle it actually ended up working for me.
So yeah, maybe try using the Samsung Internet app on your phone to do the process - and let me know if this actually ends up working, I'm curious whether I just got lucky that day or it actually is a browser issue...
If it does fail, do NOT continuously try to get the upgrade programme to work. Klarna end up doing a hard check on you every single time you try - and it WILL effect your credit score.