Direct Merchants Bank ripoff, unjustified monthly APR increases on members in great standing with platinum Mastercards Tulsa Oklahoma

I too have a Direct Merchants Bank credit card. I've had this account for a very long time (back when it was Fingerhut). I also have been victim to the APR and excess fee game that they play. They consistently charge high fees no matter if you are in good standing or not. Their CSR's are coached to give the unsuspecting person the best excuses for raising the fees. The CSR's are rude and condescending. I've been making on time, more than minimum payments for quite some time. I was fortunate enough to pay them off this month. I sent in 2 payments, a larger amount by mail was sent first. A smaller amount was paid using their website payment option. The due date was 12/4/05. Small payment posted 12/2 and the other one was conviently posted to my account on 12/5, one day after the due date. I just received a statement from them stating that I had an almost $100 balance. They charged me another whole month of finance charge. I am now disputing this with them. The first response was one of those "pre-written" responses telling me when to mail my payment or pay online. Very rude and unneccessary! It seems like over the years, I've had to constantly fight with them about fees. I reminded them of that, along with their lack of best business practices. BEWARE! DON'T USE THEM! EVER!!

I too have a Direct Merchants Bank credit card. I've had this account for a very long time (back when it was Fingerhut). I also have been victim to the APR and excess fee game that they play. They consistently charge high fees no matter if you are in good standing or not. Their CSR's are coached to give the unsuspecting person the best excuses for raising the fees. The CSR's are rude and condescending. I've been making on time, more than minimum payments for quite some time. I was fortunate enough to pay them off this month. I sent in 2 payments, a larger amount by mail was sent first. A smaller amount was paid using their website payment option. The due date was 12/4/05. Small payment posted 12/2 and the other one was conviently posted to my account on 12/5, one day after the due date. I just received a statement from them stating that I had an almost $100 balance. They charged me another whole month of finance charge. I am now disputing this with them. The first response was one of those "pre-written" responses telling me when to mail my payment or pay online. Very rude and unneccessary! It seems like over the years, I've had to constantly fight with them about fees. I reminded them of that, along with their lack of best business practices. BEWARE! DON'T USE THEM! EVER!!

I too have a Direct Merchants Bank credit card. I've had this account for a very long time (back when it was Fingerhut). I also have been victim to the APR and excess fee game that they play. They consistently charge high fees no matter if you are in good standing or not. Their CSR's are coached to give the unsuspecting person the best excuses for raising the fees. The CSR's are rude and condescending. I've been making on time, more than minimum payments for quite some time. I was fortunate enough to pay them off this month. I sent in 2 payments, a larger amount by mail was sent first. A smaller amount was paid using their website payment option. The due date was 12/4/05. Small payment posted 12/2 and the other one was conviently posted to my account on 12/5, one day after the due date. I just received a statement from them stating that I had an almost $100 balance. They charged me another whole month of finance charge. I am now disputing this with them. The first response was one of those "pre-written" responses telling me when to mail my payment or pay online. Very rude and unneccessary! It seems like over the years, I've had to constantly fight with them about fees. I reminded them of that, along with their lack of best business practices. BEWARE! DON'T USE THEM! EVER!!

I too have a Direct Merchants Bank credit card. I've had this account for a very long time (back when it was Fingerhut). I also have been victim to the APR and excess fee game that they play. They consistently charge high fees no matter if you are in good standing or not. Their CSR's are coached to give the unsuspecting person the best excuses for raising the fees. The CSR's are rude and condescending. I've been making on time, more than minimum payments for quite some time. I was fortunate enough to pay them off this month. I sent in 2 payments, a larger amount by mail was sent first. A smaller amount was paid using their website payment option. The due date was 12/4/05. Small payment posted 12/2 and the other one was conviently posted to my account on 12/5, one day after the due date. I just received a statement from them stating that I had an almost $100 balance. They charged me another whole month of finance charge. I am now disputing this with them. The first response was one of those "pre-written" responses telling me when to mail my payment or pay online. Very rude and unneccessary! It seems like over the years, I've had to constantly fight with them about fees. I reminded them of that, along with their lack of best business practices. BEWARE! DON'T USE THEM! EVER!!

I noticed today after viewing my bill DMB for some strange reason jumped my rate up to 89.56% for cash advance. I am about to give them a call and hopefully this charge is a mistake. I never ever seen an intrest rate this high in my entire life. I am in the process of digging through old bills to check and see when this actually started.

I have had this card for many years, and suddenly i got this same crazy APR increase. I have never been late or missed a payment. I used the card only for a few special things and this has made me so angry to be treated this way. I will cancel this card since I'm lucky to have a zero bal at the time this has happen. Dont fret about the score it will only drop a few points and worth it. Think of what will happen later fighting the debt this outrageous rate will cause on your score.