RE: direct merchant bank? HOWT You should be able to apply over the net. Just go to www.dmccb.com. Good luck!
RE: direct merchant bank? HOWT You can go to http://www.directmerchantsbank.com/ and apply on-line. This is how I got my card. Unfortunately, I noticed their website has chabged and they don't offer the secured card with the $99 deposit for $500 credit limit anymore. There is a secured card but the minimum deposit allowed is now $200 and they match your deposit 100%. I'm not sure how your credit is but you can apply for the regular card and if declined they will offer you the secured card.