Paypal Credit repayment confusion.

jb000

Hello there, I have a Paypal Credit account with 2 purchases.  One purchase over 3 years and another purchase to be paid in 4 months.  I have tried making payments to my 4 month purchase, but it pays the balance outstanding on the 3 year purchase.  There is no seperate payment option and it is confusing the hell out of me.  I have tried contacting Paypal, only to be blinded by science.  I have the 3 year purchase on direct debit, but want to pay random payments to clear the other purchase.

At least with the Argos card, you have the option to settle each account individually.

I am worried that I will end up paying interest as both purchases are on 0% and want to settle before then.

Plus, the direct debit amount comes out on dates completely different to what is stated.  I've never known credit like it!!

Is anyone in a similar position and can explain in clear english how their procedures actually work?

If I had known how confusing Paypal credit was, I would not have made the second purchase.

Many thanks.

Westie983

Interesting, when I have paid offers of PayPal credit the money comes off the balance that will expire first, so in your case it would be the 4 month one, have you tried calling again and speaking to someone else?

Westie983

secla

Id imagine it would say in the t&cs somewhere how repayments are allocated, i think by law they have to pay the highest interest off first but as there both on 0% perhaps they pay of the oldest debt first etc.

Dandytf

I've used both a few times, Is the 4 months interest free not a separate agreement, held in it's own Paypal sub section, either above or below main Paypal credit account.
I've re paid xbox series x over 4 mths o%
I've re paid Dell xps over 5 or 6 months 
Both re paid with ease, though I'm sure 4 mths has a separate re payment schedule, whereas main  Credit account is re pay from minimum until paid in full.
(1450 limit)

thanks