I obtained a Direct Merchants Bank credit card in 1996. It was my first credit card. Direct Merchants Bank, with my first payment, mislaid or deliberately lost my payments (which were money orders) on more than one occasion. It was an ongoing situation. If I didn't keep the money order receipts, I would have had to make my monthly payments twice often. I was forced to make late payments needlessly.
This was a "free" card, meaning I didn't have to pay any fees for it. But it ended up being much more costly, due to the continued neglect of Direct Merchants Bank.
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