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 Terms of Service
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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.
ConductAtlas has identified this type of provision across 231 platforms. See the full comparison.
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