England had bossed the game for the majority, and deserved to be at least a few goals to the good but weren't able to take their chances.
With a rare moment of possession, the Croatians managed to get the ball forward to a lone Kramaric in the box.
The striker twisted and turned while the England defence tried their best to wrestle the ball from him, but were unable to.
Kramaric eventually got a shot away, and Jordan Pickford could do nothing to stop it after it took a deflection of Eric Dier and looped in to the top corner to give Croatia a thoroughly undeserved lead.