This is the biggest scam in Paypal Credit and I believe it's been happening since they moved to Synchrony Bank and should be illegal. I spoke to a rep today and he said that whatever amount you pay beyond the special financing purchase balance expiring this month goes towards remaining special financing purchase balance and NOT towards standard interest purchase balance as they are leading you to believe. The only way to make that happen is to tell them how to allocate it when you are making that payment. So they are stealing money from you when they tell you to pay a certain amount to AVOID interest and then not use that amount to truly help you AVOID interest. Simple math: if their overview page says "Amount to avoid STANDARD AND DEFERRED Interest" is $500 and your special financing purchase balance expiring in May is $400, then by definition of "Amount to avoid Standard and Deferred Interest" the remaining $100 should go to the standard interest balance. That is how they are stealing from you because that remaining $100 is NOT going to the standard interest balance, but to remaining special financing balance that has not expired yet, and thus you continue accruing interest on standard purchase interest that they LED YOU TO BELIEVE YOU WERE AVOIDING BY PAYING THE "Amount to avoid Standard and Deferred Interest". HOW IS THIS LEGAL? WHY IS THIS NOT A CLASS ACTION LAWSUIT? Anyway, I submitted a complaint through the Consumer Financial Protection Bureau and also talking to a lawyer!
