Just wanted to pile into this to air my complaints too - I've found PayPal credit so incredibly frustrating that I probably won't use it in the future. I currently have (or rather did have) 3 different Buy Now Pay Later type transactions on my account. All purchased at different times, one was a 12 month thing, the other 2 were 4 month interest-free offers. I have a bunch of issues with the way PayPal credit works and the usability of it in general. Including being able to see how past payments have applied to the various balances. But by far the most frustrating part of this service is the complete lack of clarity on how payments are allocated or any other detailed information full stop. It has completely messed up my budgeting and it drives me up the wall that I can't personally decide how payments are applied per outstanding balance. It worked it out something like this (rough numbers for arguments sake): Purchase 1: £360 (12 months) Purchase 2: £160 (4 months) Purchase 3: £400 (4 months) So I said okay each month P1 needs £30, P2 needs £40 and P3 needs £100 - I'll make my payment £170 for this month. Not only did it not apply anything close to that, and not only do I have NO IDEA how my payment was distributed, I ALSO got charged the original minimum payment amount on top... All I know is one of the items I had three or more payments planned out is now fully paid off while the others have less paid than expected.
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