JC

John Cooper

United States

Reviews

Review of Deferit

Rated 5 out of 5 stars

What made my experience great is the…

What made my experience great is the fact that I was short on a bill and deferit came through for me and paid immediately. It’s like by now pay later. Great to use not abuse. The app even negotiates a cheaper bill on your behalf. Awesome app to have.

June 6, 2025
Unprompted review

Reply from Deferit

Hello John,

We're so glad to hear that Deferit was able to step in when you needed it most—thank you for taking the time to share your experience with us.

It means a lot to know that the service gave you some breathing room when things were tight, and we’re especially happy that our bill negotiation feature brought even more value. That’s exactly what we’re here for—to make managing bills simpler, fairer, and less stressful.

Thanks again for your trust in us. If you ever need support or have questions, we’re just a message away.

Review of Klarna

Rated 1 out of 5 stars

For starters I only got 1 purchase…

For starters I only got 1 purchase using ghost card. EVER since my first purchase the app glitched and never accepted me again. Even though I've paid everything off earlier than expected. It will not let u use a GHOST CARD!! Decline decline decline. If the creators want to fix this then take the automated bs off so everyone can use the ghost card w/o hassle. Hell that's the only reason people are using it anyway; for installment pay. Shouldn't have to worry bout credit. This app want last long!!

September 16, 2019
Unprompted review

Reply from Klarna

Good afternoon John.

Thank you for giving us some feedback on your Klarna experience.

I'm sorry you aren't able to create a ghost card anymore. We always want you to have the smooothest of transactions with Klarna especially when it comes to creating a ghost card. We would like to know more about your case so we can look into it further.

Please send us a message on Facebook, Twitter or our email at hello@klarna.com and describe your experience in regards to the current application process or ghost card creation that you are experiencing? Any small details such as specific error messages that you are encountering could help Klarna increase overall customer satisfaction!

Thank you for your time, we look forward to hearing from you.

/Moe