For one year I have had a Lowe's Credit card, paid my payments on-time. I was granted credit by Lowe's GEMB after I purchased my home a year ago. Now, I find out that Lowe's used GEMB to review my credit and because of medical bills/delinquient payments, GEMB, and Lowe's revoked my credit and cards. The thing that pisses me off the most is that they did this under-handedly!!! I made 3 payments within one month, keeping my credit balance at zero while I held my card. BUT...this didn't matter. GEMB based their decision on something over 10 years old!!! I tried to do the right thing, pay my bill on time and now I can't not use my card anyway. When I called Lowe's customer Service to ask what was wrong on (July 3rd, 2010) I was told that my credit had been revolked on JULY 2nd, 2010!! I said I had not received any prior notification of this. The Lowe's customer service rep said ..."oh...they will be sending you out a letter on JULY 7th!!!) CAN YOU BELIEVE THIS S------T!!! HOW SCREWED UP CAN THAT BE??? I think consumers ought to boycott LOWE'S!!! This was the worst customer service B----W Job I've ever seen!!!