Hi all, so I've got 2 different orders on Credit and I'm a little confused about how repayment works in terms of how it's allocated and whether someone may be able to help me out. I've looked online and found a fair few people complaining about how it works. Let's say I have £160 to be paid 0% over 12 months and £100 left on a 4 month 0% promotion. From what I understand it is allocated like this: minimum payment for the monthly is taken first and any excess is then allocated to the 4 month 0% promotion sum. So if I paid £60 then £13.34 would be taken for the minimum payment and £46.66 would then be allocated to the other sum. I've also seen people say that it will only allocate to the other sum if it's within 2 cycles of ending, or something like that. Have I got this right? I understand you can also call PayPal to have them allocate it to whatever you want after you have paid some money towards your credit balance. Just wanting to make sure I fully understand all this. Thank you in advance.
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