Really frustrating that I've just been declined twice by Klarna trying to upgrade through the upgrade program which has now left 2 hard searches on my credit score.
I can't understand why I've been declined as I already have a good credit score, an agreement already with klarna for my s20 which I haven't missed a payment.
I used Google chrome on my s20.
Can anyone shed some light on this and let me know your experience with upgrading. Any successful ones and what browsers did you use and was it a handset, mac or pc?
I'd be really intrigued to find out. Thanks.
Solved! Go to Solution.
I'VE HAD SOME SUCCESS AND WAS ACCEPTED 3RD TIME TRYING!
It might not work for everyone but I've included a photo of step by step process which another member posted the other day.
I was declined 2 times previously whilst trying to upgrade using my phone and Google Chrome, I've got a good credit score, never missed a payment and already have an agreement running with Klarna for the S20 i upgraded to last year and I'm only 10 months into my current agreement. I have read klarna are giving an excuse that you can only upgrade between the 12th and 16th month, that is not the case. Still have no idea why I was declined twice before but the steps I went through below worked for me and have also worked for other members too.
So I logged onto a PC as instructed and followed the steps as suggested, I used a different email to the one that is already associated with my current agreement and I MADE sure that the delivery address was the same as the billing address (not sure if it has anything to do with it but when I tried before I had a different delivery address than the billing address and got declined)
I really hope this helps other members in being able to upgrade. I know it's a massive faff and far from ideal and I was almost going to give up but it's worth a shot right?
I really hope Samsung will cut ties with Klarna after this and it'll be a smoother process for next year!
Be really good to hear if it's worked for you too?
Good luck 🤞
Thank you for the link. Think I'm going to wait until till later today and use a pc to try and upgrade again using the method that one user posted yesterday. Seems like a lot of people have had a good success rate 🤞
No assumption here that you have other outstanding debt but a good credit score doesn't always factor whether or not you're given credit. You could have a 999 score on Experian etc. but have a total debt that exceeds your yearly income if you have a PCP on a car for example. Therefore a loaner will just be reluctant to give you any more credit.
It's completely random sometimes though, I've been declined credit for a £500 purchases, but then given credit for something over £2k with another application! Odd system and very frustrating!
Also what's odd is that isn't Klarna known for giving credit to really bad payers - Aka students for ASOS etc.?! Very surprising they're not giving it out to people reputable with a good history.
Thanks for your reply, I've always had outstanding credit and never missed a payment and always pay more in each month so my credit score has always stayed high. What's frustrating is that this happened last year too. Never had an issue when it was close brothers. What's also frustrating is that I'm an exsisting customer with Klarna. I've had credit from them before, never missed a payment and paid up in full on one purchase before getting credit on another. Also I've currently got an agreement with them on my s20 so surely existing customers should be rewarded right? It's all very odd and confusing like you say.
A couple of months ago I applied with klarna for a 3 month interest free payment plan on a purchase that was less then £150 and got declined for that too 😒 but like you said not long after that applied for a credit card and got accepted straight away. The mind boogles!