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First, Hubbard would need Olmstead to pay off several thousand dollars of debt he had accrued, as well as open a charge account for his pregnant wife.

Daisy reportedly testified that Zindorf had canceled her charge accounts, limiting her to spending $80 a month to run their household with no help.

But, of course, neighbors aren’t rushing to cancel their charge accounts with their fertilizer dealers.

And some stores offer 10 to 15 percent discounts to customers who use a store charge account or the store’s own credit card.

Mark Twain was a customer “This is a charge account ledger from 1906 with an incredible collection of notable New Yorkers,” Mr. Ginsberg said.