Question: Direct Merchants Bank

equifax here, check millcbs. I got denied by them with 650 score for any product. Maybe they will be different.

With those scores you should be able to use millcbs to get much better quality products than 21.9%!!!

 

Equifax here also, but I think we're both in Georgia I've had my account 3 years with no problems. Current line $6200, 10.24% APR. I think this question was asked a few weeks ago and got a lot of responses, maybe there's something useful for you there.

 

I have had the Titanium card for 2 years now - they have been great!! Went from $1,500 to $8,000. Interest has been lowered several times, plus it is not fixed interest, so it has been going down almost every month. If you call and request BT offers, you will get them. Just be good, and they'll love you.

They checked Equifax - I was at about 650 at the time, I think - it was before they released the scores to the public.

If you haven't opted out, look and see which report has the PRM inquriy. That is not the one report they will pull. In my case the PRM was on Experian, the inq was on EFX.

 

Breeze, how did you get your credit limit increased so high and fast? Any good advice you can give me will be greatly appreciated. I have the Direct Merchants Gold Mastercard but my limit is too low. I may get rid of it cause the limit is only $750 My next increase is in march.

 

I saw an offer on tv from dmb. the card offered a 90 grace period on purchases. I looked at there web page and did not see any reference to the card.

Anyone know anything about this specific card?

 

I love DMB. they gv me a card at $2500 and now a year and a half later im at $9500 they increase my Cl automatical about every 5 months or so.

No problems at all with them and my apr is 12.9%

Love em

 

I used the card a lot at first, carried a little bit of a balance off and on - let them make some interest off it. Paid it off, kept using it, put a little balance on it for a few months, paid it off. Each time I paid it off, they increased some more. I called an asked for a BT deal, they gave me 6.9%. Every now and then I asked for interest to be lowered - they did it. I had one mix up where they told me yes on the phone, sent me a letter saying no, then sent me another letter saying yes. The rate went down

Finally, when I had $4,000 limit, and a $2,500 balance. I BT'd it to another card (paid it off), they doubled my limit a few days after my closing date.

I send them little emails from their site telling them how great they are, and I always send a thank-you after they give me something. Probably doesn't count for anything, but what the heck. So far they have been my best card (I have Citibank and Blue).

I would say the techniques I discovered accidentally with them, could be described as kind of like fly-fishing, hehe.

 

Look and see if you have a PRM. If the PRM is on EXP, they will pull EFX. If it is on EFX, they will pull EXP. They don't appear to use TU at all.

 

thanks Breeze for the info, I have been using the card frequently and hope to get a descent credit line increase in march I will post my increase results

 

Somehow I got this 90 days grace period. Don't know why? or how? ( Did not charge any int for the past three mos. )
My current APR @ 3.990% and the previous 8.770% has gone. Weird, maybe hoping I will build a hugh balance in it.
Of course, that will be unnecessary.


Herman