After 3 years and slowley getting my balance to 4000 and also transfering another account to them because i had a low 6.8% with them. The one i transfered was 10.9%, this month 4-23 direct merchants bank raised my intrest rate to 20.99%. If this isn't a rip off what is? Next time if i can't get my rate in writing i won't do business with them. Don't trust direct merchants bank. I have never been late, my pymts have been more then the minimum, they wait till your balance gets high, then they rip you off and the state of california lets them get away with it. Terry san jose, california
U.S.A.
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