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How is my PayPal Credit minimum payment due calculated?

Your minimum payment due each month will be the greatest of the following amounts:

(A) $27
(B) $38 (if you didn’t pay the minimum payment due required in one of your 6 previous billing cycles)
(C) 3.0% of the total balance of your account (excluding balances for purchases or cash advances with promotional financing that haven’t yet expired as of the last day of your billing cycle)
(D) 1.0% of the total balance on your account (excluding balances for purchases or cash advances with promotional financing that hadn’t expired as of the last day of your billing cycle) plus any interest, late fees, or other fees charged during your billing cycle

Your minimum payment is rounded down to the nearest whole dollar.