I recently checked my Lowes credit card online account to see when my zero interest promo would expire to discover I had late payments! I called customer service and they immediately told me to call an 877 number. I called that number, which was obviously not in North America, where I received the run around for over 30 minutes. No one could tell me more than one of 3 or 4 scripted responses. Never once did they say they were not actually Lowes/GEMB until I finally spoke with a "supervisor" who again could not tell me why I never received a bill/email/phone call finally admitted this was a collections agency. I paid the amount since I did not want a negative mark on my credit score. I then found out from my main credit provider Citibank that they were decreasing my credit limit by over 85% to just $88 over my full balance of $4, 100. I was angered b/c I have had great credit history. I called Lowes/GEMB back and yet again I got the "it aint my damn problem attitude" from multiple people, claiming they tried to contact me. I had near perfect credit before I had this account and now I can't even go on vacation b/c they reported to the credit bureaus I was 60 days past due. I am furious that a $50 bill has ruined my credit. I have reported this to the FTC, BBB and will be pursuing further action if GEMB fails to return my calls, letters . I have never been treated so poorly and like a criminal! I spend an average of 10, 000 yearly at Lowes that will now be going to Home Depot!