I hold a credit account with Home Depot. When I signed in on their website at the end of September, it displayed a balance of zero. On October 8 I tried to use the card, and the charge was declined because of an overdue balance. It seems Home Depot changed my account number and never sent me a bill, either online or by mail. That is irresponsible and incompetent, and it also breaks the Fair Credit Reporting Act.
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