I too have been in this situation and as you say no matter what overpayment I payed, it would all come off my instalment plan. It’s deception at its greatest really. An instalment plan should be exactly that. It should have no bearing on your smaller 0% plans. They just started the Pay in 3 plans. Although I think it’s PayPal and not PayPal credit. First two days they charged my bank for the first 2 payments, but failed to reflect it on the balance. I told them what they had done and tried to say my bank refused the first charge and I’d have to contact my bank and reverse the first charge. Thankfully my bank did but it’s not their problem it’s PayPal. Worst of it they said the first one had been refused, when in fact the balance clearly shows that the first one now had cleared and the 2nd one disappeared. I used to love PayPal, but now I always have to have one eye always looking at them.
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