I didn’t know Samsung did that. Samsung will also give me £50 off for registering an interest and maybe some freebies.You don't need to use Klarna, you can use Samsung finance to pay the phone off over 3 years at 0% interest
i spoke to EE and I can upgrade early no fee. I’m currently paying £75 a month but he said I average 15gb a month so can take a lower tariff over 36 months which will cost me £65 that’s if the device is £1400 so I think I will go for the s24
i can cancel, Disney, Apple TV and cineworld as I don’t use them much that’s £40 so pays for itself nearly