After just having spent about 45 minutes of run around and complete incompetence with paypal credit(which is now Synchrony Bank) I am completely under the impression that these people believe it is entirely possible to pick up a piece of dog shit by the clean end with your bare hands.

Ok, so here is the scenario. I have a pretty hefty credit limit with Paypal Credit through my business. I will buy equipment for the shop when they have their 0% interest specials for 12 or 24 months. Anyway, last April I bought a new low rise lift for my shop and used a 24 month easy pay plan with Paypal for 0%. So my monthly payment is about $140. I then bough a NIB G.O.T.G. for my shop in December and used the 0% for 6 months. I just paid my January statement and Sent them $850. They applied the whole amount to the 24 month easy pay and $0 to the 6 month purchase. OK, so I call them up and ask why would the whole amount be applied to a 24 month easy pay and not my monthly payment and the rest to the 6 month purchase? No one can answer that and no one can understand that I want my payment redistributed. I finally get a supervisor that tells me I cannot do that. After about 5 minutes of me telling her that once my minimum amount due is satisfied, I get to dictate how I want to apply my payments, not them. She transfers me to someone that says it can be done , but it will take 1 to 2 billings cycles. Once again I voice my displeasures and get transferred yet again.

Finally I get someone who seems to understand and side with me that this is ridiculous. She explains that it is the Synchrony computer systems that determine how to apply payments. We discuss on how a consumer, when having 2 or more special financing deals under the same account, can get the payment distributed to each purchase as they see fit. She explains that I need to call in as soon as I make my payment, as long as it is above the minimum, how I want it distributed. I then explain that half the customer service cannot understand this concept. She says she will notate the account. I guess I will see in Feb. This last rep at least claimed she will have my account cleared up in 48 hours.

I use paypal credit specifically for the 0% deals. I get it on how they want to to apply the payments, it's just if you want to let them get away with it or not. They cannot force you to do it that way if you request differently as long as you are paying over the minimum. It's the stupidity game that customer service plays that is so frustrating.

I agree, no more stacking of the 0% offers, it's too much of a pain in the ass.