I needed to spend on my card recently, for the first time in a long while. Money is very tight so I had no choice. Anyway, untill easter time I can only afford the minimum payments. So looked prpoerly to see how bad things were and this is what I saw. Balance from previous statement £2,969.65 Direct debt payment, thank you £59.00 Purchase interest 1.938%pm(25.9% APR) Carried forward balance £2,968.80 So in real terms my balance has been reduced by 00.85p for paying £59 per month. Unbelieveable, unfortunatly I have no choice at the moment. Is Arrow card the worse card in the world, if you ask me, yes. I recon it would take me about 250 years to pay off that balance paying the minimum amount. Scum!!!!!!!