Despite clearing the monthly amount, without spending on it, the interest and, how much I owe on my credit card appears to change from phone call to phone call: you ask them, is that the amount up-to-date till my next statement and they will affirm this is so; or you will receive a text to say you have overpaid on your last statement and there is nothing to pay this month, only to be told a fortnight later that your account is in arrears and you have x hours to bring your account up to date or they will notify credit agencies: it is my belief they are in collision with arbitrary money lending firms they behave more like money lenders than a credit banking system: they harangue and threaten; they are patronising and very unprofessional and irritating to listen to; the tone of their text messages is bullying; signing up for a Debenhams New Day Credit Card was the worst thing I ever did. The sooner I clear it off the better. Never again!