Thank you for the info!
Below is the auto reply I received from paypal.
Thanks again!
.........
Thanks for your email. We've created this immediate automated response to help you manage payments on your account.
If the information below doesn't answer your question, please reply to this email.
A. Did you receive my payment?
If you mailed a payment, please keep in mind that it can take 7-10 business days to arrive and apply to your account. Mailed payments won't show on your PayPal Credit activity online; however, you can see mailed payments on your billing statement. Online payments will not apply towards your balance for 24 hours; however, credit for the payment will be applied as of the day it was received.
If you don't see it after this timeframe and you want us to research it, reply to this email or call us. We'll need the following information:
- Type of payment
- Check number or money order number
- Date of payment
- Amount of payment
Here's how to verify the receipt of your online payments.
- Log into your PayPal account.
- Click on PayPal Credit on the left hand side below your PayPal balance.
- Select Manage payments.
B. How do you apply my payments to my account balances?
Your minimum monthly payments are generally applied in the order below, depending on the financing options you selected for your online purchases, as applicable.
- Monthly plan payments on Easy Payment purchases
- Deferred Interest Purchases where the promotional period will end in the next two billing cycles. Deferred Interest Purchases include balances for purchases made using our "No Payments + No Interest if Paid in Full" or "No Interest if Paid in Full" options. If you have multiple promotions expiring in the same billing cycle we'll apply your payment to the oldest promotion first, based on the purchase date
- Interest, then fees, then existing standard purchases and cash advance balances in order from lowest to highest Annual Percentage Rate (APR)
- Deferred Interest Purchases expiring more than two billing cycles from the date we receive your payment, in order of their expiration date
If you pay more than your minimum monthly payment, the excess amount beyond your minimum monthly payment (also known as "prepayment") will be generally applied in the following manner, as applicable:
- Deferred Interest Purchases where the promotional period will end in the next two billing cycles
- Interest, then fees, then existing standard purchases and cash advance balances in order from highest to lowest APR
- Deferred Interest Purchases expiring more than two billing cycles from the date we receive your payment, in order of their expiration date
- Monthly plan payments on Easy Payment purchases
- Activity that has occurred on your account since your last statement date
The order in which we apply your payments was determined according to the Terms and Conditions of your account. The application of excess payment amounts beyond your minimum monthly payment was determined in part according to the Credit Card Accountability, Responsibility, and Disclosure (Credit CARD) Act of 2009.
Please note that we're only able to make adjustments to the part of your payment that's in excess of your minimum payment due. Any payment must first satisfy your minimum payment due in order to keep your account up to date and avoid late fees.
Thanks,
PayPal Credit Customer Care
PayPal Credit is located at <removed>. Copyright 2017 Bill Me Later, Inc. The lender for PayPal Credit accounts is Comenity Capital Bank.
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