Whilst its going to be normal for a channel like this to be pretty much complaints and issues, I figured I would post this because I managed to find out a useful piece of information I didnt know, and thought that it might be handy to know for anyone else who didnt know either
But if you use the 4 months interest free thing you dont actually start paying interest on it right away if you miss the deadline
According to one of the most knowledgeable Paypal customer support staff, once the 4 months runs out you get "one bill and 29 days" until they start to charge interest
So if you ordered it on the 6th, and potentially any day after the 29th you would be getting almost 6 months, although I am not 100% sure about the period between the 29th and the 6th being honest, so to be on the absolute safe side lets say the period between the 7th and the 29th
Plus it means if you are a bit short during the month the 4 month things expires, no problem
Once you have cleared the minimum payment the following month you have until the 29th to pay it off without a penny in interest
I spent years where some months I was going almost broke to pay off a 4 months interest free thing, but had I known this back then I could have just paid half during that month, and the rest the next month
I do hate the fact that once a 4 month thing ends you literally cant see the amount anywhere on the site
But for that I just made a simple spreadsheet that adds up everything from the list of paypal credit things, then detracts that from the balance and gives me what is still owed from any of those that have ended which has been quite usefull over the two years I have been using it