Can someone expand on this?
I’ve never used Karna so don’t know what the advantage is.
Presumably Klarna cannot be used in person whereas Monzo Flex can
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Yeah this I’ll be sticking with it as it offers longer interest free periods.
Also my Tymit card does exactly the same as what Monzo BNPL does and at pretty much the same APR, so I’ve no incentive to use the product.
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Will there be deals where 12 months can be 0% APR at certain retailers?
Will be nice to have it in available all within one app, but struggling to see myself using it over PayPal Credit or Curve Credit (12 months interest free, albeit smaller limit)
Will there be an option to repay extra whenever you want like you can with Monzo loans?
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Yeah it’s on the FAQ I’ve just spotted it, linked further up this post
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Want to pay us back early? Sure, there’s no fee for that. If you want more time, you can edit your instalment plan to pay back over a longer period. And we don’t charge extra fees if you pay us back late.
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That sounds like paying back the full amount, I mean a partial payment
Karna seems possible in store, but perhaps only specific partner merchants
Thanks! That was what I was looking for
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How does PayPal credit appear on your credit report? Assuming it’s one hard search at the beginning then you can just use it as many times as you like? How does the ongoing balance appear on your report?
Eligible transactions for Monzo Flex
While Monzo Flex can be used for most transactions over £30, there are some that we’ll block. These include things like cash withdrawals, gambling and cryptocurrency.
It’ll be interesting to hear more about this. Could you for example buy something on your American Express for the points, pay the balance with your Monzo card then Flex that payment? I suspect the answer will be no, but it’s not explicitly mentioned in the help article.
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This is really good.
I’ve never used it from Klarna or anyone but seeing it there in a pot might make me more likely, only for the 3 months though. Good to see it will be free if you stick to that, the usual doom merchants didn’t think Monzo would do that.
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You can pay off credit card balance using a debit card, i.e. a card transaction not a faster payment. I can’t imagine them allowing you to Flex a money transfer either.
Will be interesting to see how Monzo Flex integrates with Monzo budgeting tools, if at all.
Losing track of budgeting is one of the things that would concern me with having multiple BNPL transactions on the go. Potentially harder to keep track of than a single credit card bill every month.
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The middle image only has 3 tabs at the bottom. This must have been in development for a loooooonnnnnng time
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Good spot 
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Interesting, so it just appears as a credit card, same as Flex then. This is a lot more attractive than the unknown of how Klarna is reported. Thanks @DaveJ
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Yeah I’ve used Klarna before, other than a soft search there’s no trace of if on my reports. Obviously that will change in the future as the market gets more regulated.