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Frequently Asked Questions

How do I become a member of The Direct Club ?

To become a Direct Club member complete the membership form select the item you’d like to purchase and pay for your annual membership

Will I receive a Direct Club card?

Yes, your new card will be mailed 30-60 days after your membership account is setup and you make your first purchase. 
You can access your account online any time here to see your balance and view your statement.

When is my first payment due?

Your statement will reflect the actual due date or you can check your balance and pay your bill online here.

Do you report my account to the credit bureaus?

 Yes, we report your available line of credit, balance, and your on-time payments to the major credit bureaus monthly.

*IMPORTANT In order for your account to be complete and reporting, the annual membership fee and any applicable down payments must be paid. 

How much can I get approved for?

You will be approved of credit lines up to $7,500

The Direct Club literally gave me a fresh start.


TDC helped me raise my credit score and I could not have done it without their guaranteed $5000 credit line. I thank you so much!


When we first became members of The Direct Club we were able to buy all new electronics for our home and start working on rebuilding our credit.