I only use PayPal Credit for extended interest free payments. Otherwise I would pay the entire amount of current purchases plus 1/6 of my original purchase amount. With other similar situations I will create a spread sheet showing what the promotional balance should like at every statement cycle, and monitor it closely for the first two months. I also pre-enter all my payments on PayPals website from my checking account to pay the promotional balance before the expiration date. With multiple promotional balances I try to always spread the payments out evenly over the time period, making sure each promotional balance gets paid off before the expiration date. I use a spreadsheet, applying each payment to the earliest promotional balance to expire. I have never had to call to get a payment applied correctly, I never carry any balance that creates interest. I have never paid one bit of interest in my PayPal Account. Every payment is set up months in advance on PayPal credit's website.
Also, keep in mind, generally, your payment will be applied to minimize the interest paid during the current statement cycle. This is always how PayPal does it. They strictly adhere to banking rules. The way they apply payments is to always favor keeping the interest charges an a minimum. They do not apply payments any differently than any other credit card with similar promotional balances. I have done these types of no-interest promotions many many times, virtually everyone of my major purchases are handled this way, even if I have the cash to pay at the time of the sale. I only made one mistake, but not with PayPal. I didn't realize the card had a huge minimum payment and scheduled the first payment before I saw the first statement. I was like 2 days late and only 4 dollars short and paid the late fee. I have never missed paying off a balance before the promotion expired.
