The pending hold on your card is released when the first payment is charged. Depending on your bank it can take 5 to 7 days for this to be reflected on your bank account. Good to know: • The amount of the authorization hold is restricted from use until the first payment has been charged. • Sometimes the pending charge isn’t released at the same speed as the actual charge is processed, appearing as if you were charged twice. The authorization hold has not been released Contact your bank or card issuer directly if after 7 days the pending hold has not expired or been released, or if you have questions about their process. My order was canceled If your order or One-time card is canceled the authorization hold will expire within 24 hours. If the status of your canceled order isn’t updated in the app chat (https://app.klarna.com/support/)with our Customer Service, with your cancellation confirmation to hand. Related articles • What if I never use the One-time card and want to cancel it? (https://www.klarna.com/us/customer-service/what-if-i-never-use-the-one-time-card-and-want-to-cancel-it/) • My order was canceled, why am I still being charged?(https://www.klarna.com/us/customer-service/my-order-was-cancelled-why-am-i-still-being-charged/) Link to answer https://www.klarna.com/us/customer-service/when-will-the-authorization-hold-be-released/(https://www.klarna.com/us/customer-service/when-will-the-authorization-hold-be-released/)

If your payment is not registered by the last reminder due date, the debt is transferred to debt collection. Can I still pay Klarna directly? Yes, you are welcome to pay either directly to Klarna or the collection agency. Your outstanding balance will be updated in any case. To settle your balance through Klarna: 1. Go to Payments (https://app.klarna.com/to-do/to-pay/) 2. Choose the purchase you would like to pay 3. Tap Payment options and follow the instructions Any questions regarding fees added for the collection of debt should be directed to the debt collection agency. You can find contact information for the collection agency printed on your debt collection letter. Good to know: If a payment is late, you will not be able to continue using Klarna until you’ve paid off your debt. Late payments might also be reported to the credit bureaus. Related articles • What happens if I can’t pay on time? (https://www.klarna.com/us/customer-service/what-happens-if-i-cant-pay-on-time/) • Why was I charged a late fee? (https://www.klarna.com/us/customer-service/why-was-i-charged-a-late-fee/) • How can I avoid late fees?(https://www.klarna.com/us/customer-service/how-can-i-avoid-late-fees/) Link to answer https://www.klarna.com/us/customer-service/why-is-my-debt-in-collection/(https://www.klarna.com/us/customer-service/why-is-my-debt-in-collection/)