Direct Merchants Bank charge more to my account than I do

get phone calls even before payment is due so would make payments on phone it was always more then the minume amount due
think I would be caught up with them.

Next thing I know without using credit card would be over the limit I just recieved a bill today that is due in December 21.2001 with a over the limit fee from October

In November I recived a bill my previous bill in oct was $3206.71 was over the limit by 206.71 I made a payment in Oct showing $161.00 in November my balance was $3136.11 for November I paid $316.00 by phone $6.00 was for paying by phone
November 15th I asked when payed it why is it so much higher from last month payed $161.00 didnt charge anything they told me late payments and over the limit fees.

They dont bother to tell you miminum payment does not inclued finace charge I wish I would have been able to check how far back they been doing this but wife just gets bills and was paying them not paying attention.

From the ones I do have there is always another late fee of 2 months ago on credit card which happens to bring you over the limit so when make miminum payment even tho on time get stuck with late fee also which is $29.00

Eric, Chicago,IL