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Review of the PayPal, PayPal Credit:

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The overlapping promo trap

The overlapping promo trap impossible to clear old debts first! The payment allocation logic on PayPal Credit feels intentionally designed to force users into paying high interest rates. If you use their "0% interest for 4 months" feature on multiple purchases, the system combines everything into a single, confusing pool. Reviewed on: 2nd June 2026

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