I have been a loyal customer to Direct Merchants bank for 12 years. Over the 12 there where appx 4 late payments never over 2-3 days late. Paid them and went on. I have taken my card to the limit many times $8-9 thousand then paid it off in 1 payment. Last nov. they raised my % up from 11% to 27.99%. I called wrote a letter told them I would not use the card till the % rate came back down. So they upped it the next month to 29 and cut me down to 1, 000 limit. This is a company no one should deal with... Need money? Call the Mafia first... read full review »