I have had the EXACT same experience and on top of that scummy lies they are charging me an extra 2% in charges PER MONTH EVERY MONTH and not even put it before during of after that they would be doing so. I also went for the 0% for 4 months purchases and found out they were over charging me on interest and charges from DAY ONE, the extra charges are not shown during checkout, before when offers are read, or even AFTER in paypal monthly statements, it's not even listed. They just stealth charge you an extra 2% not per year, PER MONTH and not just on one purchase or current total on account, but PER PURCHASE you make with paypal credit....... What they are doing can not be legal at all and I am going to take this as far as I can in terms of consumer rights and regulatory bodies. Court of I have to, it's completely illegal, wrong and against consumer rights. The Customer Service was AWFUL to say the least and the secure message system was utter useless to get this resolved. I have put in a complaint and waiting for a manager to get back to me but if this is not FULLY addressed I am taking it further.
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