Hi all, I rang PayPal Credit to get an answer on this and was told that as long as the initial price is £99 or above, the 0% for 4-months is applied regardless of refunds or if no initial payment has been made or even if a number of repayments have been made. Basically no re-calculation and backdating is applied. So for example, if you purchase an item for £99, get a £98 refund, you still get 4-months 0% interest free to pay the £1 back. There is no limit or restrictions to this, other than your credit limit of course. Hope this helps Cheers Mitch
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