Direct Merchants Bank was one of these creditors. Well 4 years later and on time payments, I am now back on track. Since I was able to recently acquire some new retail cards, I thought I would ask DMB if they would re-instate my account. Great...they did! My question is....is it too soon to ask them for a credit line increase? Since my account was closed for so long, I have no idea how they do things. If any has this card, please give me your experience. Do they give automatic increases? Are they generous? How many months should I wait before requesting an increase? Overall satisfaction with them. Thanks for your feedback.