I am suddenly curious about Direct Merchants Bank. I couldn't have cared less about them until this afternoon, when I received their "preapproved" offer for up to $5000, which probably means $1000. I have a couple of questions about them. First, previous complaints seem to revolve around an application fee that is not refunded to declined applicants. Is there anything else wrong with them, in their daily business practices once you're approved? The fee is not an issue for me since my their offer to me doesn't ask for an appplication fee. Second, do they have a toll-free number, or are they impossible to contact? The only card issuer I know of without a toll-free number is Cross Country Bank. That is not very good company to be in. Any facts would be appreciated. I'm serious about this whole credit history business, and I continue to be amazed at some of the fascinating information you people have acquired over the years.