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None. I proactively called Paypal Credit about a private party transaction before the purchase of a bicycle to make sure it qualified as a special financing transaction subject to a 0 % interest rate if paid in full within 6 months. Purchase protection was even purchased from Paypal during the transaction. When purchased, the coding was done incorrectly and the transaction was treated as a simple cash advance. When trying to rectify the situation both parties directed me to each other to fix the issue. Synchrony 's representative blamed its policy for not being willing to modify the loan even though their partner made an error. Paypal representative said it was beyond his authority and forwarded me to Synchrony. The consumer is now the one who has to either pay a large sum of money ( unexp