Or is it a 2 good 2 be true kind of thing
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It works fine for me but to have a card requires a monthly subscription now.
Pay in 3 works well for spreading payment over 3 months and you can defer payments for up to 10 more days not missed a payment.
I would only suggest using it if you know you can make them not sure how things go if you miss payment though I would guess there could be some high interest applied.
I use klarna to break payments. And if i miss a payment i get to pay double next month.
I used Klarna to pay for goods and it worked as expected.
But what happens when u slack with the pyments
What do you mean? Transactions are either paid successfully or they are not.
U can pay in parts
Never seen that, so i can't say.