I have been a member of Direct Buy for years, they started out as Consumers Club. My experinces have been mostly positive, however it is not for everyone. You do pay a fee to become a 'member'. Then you have access to a wide variety of brand name buyer catelogues. Your savings is in having access to buyer rather than retail pricing. Since this is not retail, you typically cannot see or feel the item you want; you nearly always pay shipping, some items also include a surcharge, the time lag can be 4 to 12 weeks, so if you are always in a hurry, you will be disappointed. The various locations are franchises, so rules, etc may differ depending on the owner. My site did not allow credit cards until recently; I can now pay with a credit card, but I do pay an additional fee to cover the cost of the credit card servcie. My site has also begun alliances with local companies to allow for better princing at their site. I purchsed my kitchen appliances through this process and was pleased as I was able to go look at the inventory and the company delivered the items. This process was more a little costly than ordering thru the catalogues, but the turn around time was quicker, they delivered and I could use a credit card w/o paying an additional fee.
If you are or will be in the market for a lot of furniture, appliances, jewelry, flooring, and you can be patient, it can be a great deal.