A friend told me over dinner that his card is under control. Never missed a due date in his life. He pays the minimum due, every month, on time, and feels responsible doing it. So I ran his numbers. A Rs 100000 balance, minimum due only, takes 341 months to die. That is 28 years. Along the way he hands the bank Rs 372861 in interest, nearly four times the amount he actually spent. He is not behind on the loan. He is the loan.