PayPal Community

Count me in ...jpski ... View more

That is exactly what they do and it doesn't matter if you call and ask them to allocate. They do exactly as they please. What I have done is look at the minimum to avoid interest and that is all that I pay, even though I would like to pay more some months. This has completely eliminated them allocating as they please. They have to put the payment towards the 6 month item that is expiring and the extra is the easy pay payment for that month. Works fine for me. I am just using their money longer. PayPal thinks people are too stupid to figure that out. ... View more

I have finally given up on trying to contact payPal credit. I never pay extra anymore. I only pay the minimum due to avoid finance charges. They can put it wherever they want as long as I don't get charged finance charges. I would like to get things paid off faster but with having to go through their craziness, I won't. In the end they are the losers. I am just using their money longer and not having to pay for it. ... View more

What do you suggest for ..taking this on? I agree with you 100%. My solution is just to make minimum payments, but set aside the overpayment that I would like to make. Then when it's due, pay it off. That way I get to make interest (little bit) and then I get the satisfaction of knowing that I have not fallen victim to their BS.. ... View more

You have to call every month and get transferred 2 or 3 times, get disconnected, call back, get transferrred 2 or 3 times. Then when you get to the right person and ask, sure they will do it but it takes them 2 or 3 billing cycles so you are still getting accrued interest. ... View more

I have the same problem as most everyone else! I have a 24 month easy pay and several 6 months no interest. Every single month I have to call to have my payments allocated to the 6 month purchases or all of it goes to the easy pay. So, when I call and ask they always wait for one to 2 billing cycles to make the change just so they can get the extra interest accrued. This seems so illegal and I know that they have been sued for similar practices. They do think we are stupid. Like someone else said...why can't they just make a check box as to where we want the payment allocated. I am able to do this with several other credit accounts so I know that it is not to difficult to do. Sure, Paypal is an easy way to pay for online purchases and I have never let things get to the point where I am paying interest, but I am paying everything off on this account and although, I am not going to close it, I am not going to use it for interest free purchases. They make a lot of money off the sellers when we buy things using PayPal, too bad that just isn't good enough for them. ... View more