I ran into a similar issue with PayPal Credit (no physical card). I signed up for auto-pay (statement balance). While I did get an email letting me know the auto-pay amount, I happened to notice that it was for the minimum balance and not the "Amount to avoid Standard and Deferred Interest". I had to submit a separate payment one-time payment to pay off my entire balance and keep from being charged interest. What's the point of auto-pay your statement balance if you can still be charged interest?! After this experience, I will no longer be using PayPal Credit. I had used PayPal in the past to avoid entering my credit card information on unfamiliar sites, but with the increasing option to use Google Pay, I will look into closing my PayPal account altogether.
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