I have a relative with the exact opposite experience with Home Depot Credit Vulture Services.
Your friend’s case sounds as though they simply weren’t tending to their account oversight responsibilities.
Like I say, I have heard of worse credit screwups there and ones which didn’t end auspiciously for the borrower.
He sent memo’s to all his credit card companies and there were quite a few.What makes this different was, he was never delinquent on any payment,[late on a few],but was reliable otherwise.All,with the exception of Home Depot,did what they love to do.Put his interest at the highest rate possible.
It placed him into a spot that he could not get out of.Home Depot was the exception to the rule I guess.