<prompt> Human: Edit: Went home to get the customer service number off of the cardpaperwork. They did make a mistake with the address their mistake as my application has it written correctly. Called and talked to a non-outsourced customer service person instead of a collection ghoul. She had no problem verifying the address and the interest rate unlike the other 3 people who called me, rescinded the fee which the first person said they didm and then didnt and I made the payments. Bonus, the collections ghouls made various threats about interest rates exploding and all that, which the CS person said wouldnt happen even if the late payment was completely my fault.Sad that I had to take time out of my day because companies cant be arsed to have decent customer service and treat their customers like deadbeats from day 1.Original:I got an interest-free-for-a-year Home Depot credit card citibank to pay for a blown out air conditioner times are tough and our emergency money was already too low.We never received the bill and they started calling for missed payment. None of the paperwork I received when I sign up has a bill, due date, payment amount, etc. On the first call, I told them I never received a bill and it is my understanding that they need to provide a bill at least 21 days before it is due. She was polite and apologized and said they would send it out and we would have it in 7to 10 days still havent received it, but it hasnt been 10 business days yet. She said any fees and whatnot would be reversed. Next 2 calls were not so polite and now I am getting frustrated and angry.My fear is that I will have to fight the fees, fight any hits to my credit report, and fight to keep the no interest rate, since non-payment typically negates such offers. the cynic in me believes that they do this very thing on purpose.Worst comes to worst, I can do a 0 balance transfer onto one of my empty cards, but of course there will be a fee for that as well.Does just paying it over the phone without seeing the bill or what sort of BS they have added to it since i missed the payment accept my fate and make it harder to fight fees, etc.? What can I saydo to make sure I am not screwed-over here?Edit: Wow. A lot of the people on this sub really automatically assume the worst of a person. No where did I say i wasnt responsible for the payment. Just that i didnt want to get hit with fees and various bullshit from their mistake.I wonder how many of the people on the sub who act like this work for the banks that treat people like shit because they can. Gonna guess quite a few.  <response>: Youre not going to like this answer, but not getting a bill does not absolve you of paying. Even if a bill gets lost in the mail, its still your responsibility to pay it on time. Again, this may not seem fair, but credit card issuers will hold to this policy. 