The Klarna Card, issued by WebBank under a Visa U.S.A. Inc. license, carries a 28.99% APR that applies specifically to all moved or split transactions.
This analysis describes what Klarna's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes the cost of credit for a specific card feature (moving or splitting transactions) and is a material disclosure for Klarna Card holders who use these features.
Interpretive note: The document does not define 'moved or split transactions' with specificity in the retrieved text; the full operative definition would require review of the complete Klarna Card agreement.
Under this clause, any transaction that a Klarna Card holder moves to a later date or splits into installments will accrue interest at 28.99% APR; consumers who use these features without paying the balance in full will incur interest at this rate.
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"28.99% APR applies to all moved or split transactions.— Excerpt from Klarna's Klarna Terms of Service
1. REGULATORY LANDSCAPE: This provision engages TILA and Regulation Z requirements for credit card APR disclosure, enforced by the CFPB. The Klarna Card is issued by WebBank under a Visa license, situating it within the bank card regulatory framework including applicable OCC guidance. 2. GOVERNANCE EXPOSURE: Medium. The 28.99% APR is a specific, disclosed rate. The key compliance risk is whether this rate is accurately disclosed at all required points under Regulation Z (account opening, periodic statements, and at the point of feature use), and whether the definition of 'moved or split transactions' is sufficiently clear to consumers. 3. JURISDICTION FLAGS: California and other states with usury or consumer credit rate caps may require evaluation of whether this rate is permissible under applicable state law, though federal preemption under the National Bank Act and Depository Institutions Deregulation and Monetary Control Act generally permits federally chartered or insured banks such as WebBank to export rates across state lines. 4. CONTRACT AND VENDOR IMPLICATIONS: The WebBank issuer relationship means that Klarna operates as a program manager rather than the creditor of record. Compliance teams should confirm that the card program agreement addresses disclosure obligations and that Klarna's marketing accurately reflects the WebBank-issued card terms. 5. COMPLIANCE CONSIDERATIONS: Review that Regulation Z Schumer Box disclosures for the Klarna Card accurately reflect the 28.99% APR for moved and split transactions, confirm that in-app disclosures at the point of feature use are compliant, and assess whether the term 'moved or split transactions' is defined with sufficient specificity to satisfy disclosure clarity standards.
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This provision establishes the cost of credit for a specific card feature (moving or splitting transactions) and is a material disclosure for Klarna Card holders who use these features.
Under this clause, any transaction that a Klarna Card holder moves to a later date or splits into installments will accrue interest at 28.99% APR; consumers who use these features without paying the balance in full will incur interest at this rate.
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