You can contact them for confirmation, but normally the procedure when making payments is for it to apply on the balance that will incur interest sooner, meaning the ones that will expire first. That has been my experience elsewhere at least.
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Actually you are a complete moron. You are using your bank account. Paypal drafts directly from your account the same way you might make a credit card or other type of payment directly from your bank account. You aren't protecting by the required Opt-in Overdraft protection law for these transactions, just transactions made with your debit card basically. With these types of transactions, Paypal or any other bank has no idea how much you have in your account. It attempts to do it, cannot, the bank charges the fee because of your mistake in selecting the correct payment method and Paypal does what it is supposed to and tries the Backup method. It cannot skip to Backup because the system is designed to go in order and Paypal has no way of knowing if sufficient funds are in your account. If you primary account was a credit card, it would try to charge it and fail, but bank account transfers don't work that way nor are they are instant. In short, it is your fault. If you cannot accept that, sorry that is your problem in the end. Ignorance is not an acceptable excuse.
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