However, late payments may be reported to the credit bureaus. There are no fees incurred when you pay on time. When you submit an application to Citizens Pay, Citizens Pay first checks eligibility using a soft credit check, which will not impact your credit report or score.
If you qualify in the pre-approval process, at that time, Citizens Pay will do a hard credit check, which may impact your credit score. Your credit report will be impacted after you are qualified in the pre-approval process. When you use Klarna to split your purchase into 4 interest-free payments, Klarna will run a soft credit check, which will not affect your score. There is no hard credit check when signing up for the Klarna One-time card.
Microsoft does not extend credit and does not determine credit terms or eligibility. Citizens Bank determines terms and qualifications for credit. WebBank determines qualifications for, and terms of, credit. For any questions about your Citizens Pay Line of Credit, please use this Citizens Pay online service or contact Citizens Pay representatives at during these hours: 8 am to 12 am Eastern Time Monday through Friday, and 9 am to 9 pm Saturday and Sunday.
Microsoft Store is here to answer your questions or address any concerns you may have about the products or services you purchase from us. Please contact us at to speak with our customer service team. Recurring subscriptions, gift cards, and pre-orders are excluded from the Klarna One-time card and Citizens Pay Line of Credit financing. For pre-orders, please use a standard credit card to ensure that you are charged only when your order ships.
Microsoft Store offers world-class customer support and guidance, ensuring that our customers find the best devices, games, apps, software, and resources for their personal and professional needs. Learn more. Return almost any product in like-new condition in its original packaging within 30 days. Get up to 60 days for Surface devices. Install most apps and software, like Microsoft , Windows, and Xbox games, via digital download. Subject to individual credit approval.
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