This company entices elderly or other unsuspecting people to take credit card or other services with false and misleading promises. They have been successfully sued in one class action law suit. However, there practices didn't change they just took a different path to defraud and extort from the public.
In my case (I am an 87 year old widow,) I was offered a no interest credit card which turned into a high rate card and then charged for numerous services which I didn't order or authorize. When I complained the Direct Merchants Bank said they verified the services were rendered by the suppliers (of course no mention that the suppliers were their own subsid-companies or sister companies). If I didn't pay they would report my credit as a skip. This has caused problems for me for years. Each time I get it removed from my reports they refile under a different company.
Big ripoff company don't even open mail from them if you don't want to be cheated. If receive or have already received an unsolicited card from these people do not use it and begin the process of canceling asap. Keep a good record of your efforts to get the card canceled and keep a good eye on your credit report.
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