Can a business demand payment for a past due amount even though they haven't sent an invoice stating that the account was past due for four months? The charges were for a gym membership that is usually billed every month automatically, however the credit card on file expired, allowing money to compound for four months before I was made aware of the problem. It looks like the Fair Credit Billing Act would cover this type of problem, however I was unsure if a monthly recurring gym membership would be considered "open end credit." FCBA states that businesses that offer "open end" credit must provide a statement for each billing period in which you owe (or they owe you) more than one dollar. I am located in Westminster, CO. Thanks