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                                                                    Exhibit 4(d)

                               FIRST AMENDMENT TO
                           REVOLVING CREDIT AGREEMENT

     This First Amendment to Revolving Credit Agreement (the "First Amendment")
made as of this 29th day of December, 2001, by and between REPUBLIC BANCORP,
INC. ("Borrower") and U.S. BANK NATIONAL ASSOCIATION, formerly known as Firstar
Bank, National Association ("Bank").

                              W I T N E S S E T H:

     WHEREAS, the Borrower and the Bank entered into a Revolving Credit
Agreement dated as of December 29, 2000 (the "Credit Agreement"), pursuant to
which the Bank extended credit to the Borrower as provided therein.

     WHEREAS, the Borrower and the Bank desire to amend the Credit Agreement as
provided herein.

     NOW, THEREFORE, it is hereby agreed as follows:

     1.   Section 1.1(a) of the Revolving Credit Agreement is hereby amended in
its entirety as follows:

     (a)  "Revolving Note Maturity Date" means December 28, 2002 or such earlier
     date on which the Note becomes immediately due and payable to Article VI
     hereof.

     2.   The "Revolving Credit Agreement" referred to in the Note shall
hereinafter refer to the Revolving Credit Agreement as amended by this First
Amendment.

     3.   Except as expressly amended herein, all terms and conditions of the
Revolving Credit Agreement shall remain in full force and effect. The Revolving
Credit Agreement shall hereinafter consist of the Revolving Credit Agreement
dated December 29, 2000, as amended by this First Amendment. Any waiver of any
term and condition of the Revolving Credit Agreement contained herein, of any
previous waiver by the Bank of any term and condition contained in the Revolving
Credit Agreement, shall be strictly limited to such waiver, and shall not
operate as a waiver of any other condition, term, or remedy of the Bank provided
for in the Revolving Credit Agreement or in this First Amendment.

     Executed as of the date first above written.

                                       REPUBLIC BANCORP, INC.

                                       By: /s/ Thomas F. Menacher
                                           ----------------------
                                       Name:   Thomas F. Menacher
                                       Title:  Executive Vice President,
                                       Treasurer and Chief Executive Officer

                                       U.S. BANK NATIONAL ASSOCIATION,
                                       D/b/a Firstar Bank

                                       By: /s/ Jon B. Beggs
                                           -----------------------
                                       Name:   Jon B. Beggs
                                             ---------------------------
                                       Title:  Vice President
                                              ---------------------------

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                                                                  Exhibit 4.1(c)

                        METRIS COMPANIES INC., as Issuer,

                           the GUARANTORS named herein

                                       and

                    BANK ONE TRUST COMPANY, N.A., as Trustee
          (Successor in Interest to The First National Bank of Chicago)

                                  $100,000,000

                       10% Senior Notes due 2004, Series A
                       10% Senior Notes due 2004, Series B

                       ----------------------------------

                          THIRD SUPPLEMENTAL INDENTURE

                           Dated as of January 2, 2001

                                       to

                     Indenture dated as of November 7, 1997,
    as amended by the First Supplemental Indenture dated as of June 25, 1999
      and the Second Supplemental Indenture dated as of February 28, 2000

                       ----------------------------------

         THIRD SUPPLEMENTAL INDENTURE, dated as of January 2, 2001, among METRIS
COMPANIES INC., a Delaware corporation (the "Company"), METRIS DIRECT, INC., a
Minnesota corporation ("Metris Direct"), magnUS SERVICES, INC. (formerly known
as Metris Recovery Services, Inc.), a Delaware corporation ("magnUS"), METRIS
CREDIT CARD SERVICES, INC., a Delaware corporation ("Metris Credit Card"),
METRIS CARD SERVICES, LLC, a Delaware limited liability company ("Metris LLC"
and, together with Metris Direct, magnUS and Metris Credit Card, the
"Guarantors") and BANK ONE TRUST COMPANY, N.A., successor in interest to The
First National Bank of Chicago, as Trustee (the "Trustee") to the Indenture,
dated as of November 7, 1997, as amended by the First Supplemental Indenture,
dated as of June 25, 1999, and the Second Supplemental Indenture, dated as of
February 28, 2000, among the Company, Metris Direct and magnUS, as guarantors,
and the Trustee relating to the 10% Senior Notes due 2004, Series A and the 10%
Senior Notes due 2004, Series B of the Company (the "Securities").

                                    RECITALS

         Pursuant to the terms of the Indenture, any Restricted Subsidiary of
the Company, other than a Securitization Entity, that Guarantees any
Indebtedness of the Company is required to execute a Subsidiary Guarantee and
deliver it to the Trustee.

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         Metris Credit Card and Metris LLC are Restricted Subsidiaries of the
Company and each intends to guarantee other Indebtedness of the Company.

         Pursuant to Section 9.01(h) of the Indenture, the Trustee may enter
into a supplemental indenture without the consent of any Holder to add a
Guarantor.

         The Company has furnished the Trustee with (i) an Opinion of Counsel
stating that the execution of this Third Supplemental Indenture complies with
the provisions of Section 9.01(h) of the Indenture; (ii) a copy of the
resolution of its Board of Directors certified by its Secretary: (iii) a copy of
the resolutions of the Board of Directors of each of Metris Direct, magnUS,
Metris Credit Card and Metris LLC certified by their respective Secretaries and
(iv) the Security Guarantee of each of Metris Credit Card and Metris LLC.

         All things necessary to make this Third Supplemental Indenture a valid
agreement of the Company, the Guarantors and the Trustee and a valid amendment
and supplement to the Indenture have been done.

         NOW, THEREFORE, THIS THIRD SUPPLEMENTAL INDENTURE WITNESSETH:

         Each party hereto agrees as follows for the benefit of each other party
and for the equal and ratable benefit of Holders of the Securities, as follows:

                                    ARTICLE I

         Section 101. Pursuant to Section 4.13 of the Indenture, each of Metris
Credit Card and Metris LLC has become a Guarantor under the Indenture, and each
has agreed, pursuant to a Security Guarantee executed on the date hereof, to
undertake the obligations of Guarantor as set forth in Article Ten of the
Indenture.

                                   ARTICLE II

         Section 201. For purposes of this Third Supplemental Indenture, except
as otherwise herein expressly provided or unless the context otherwise requires:
(i) the terms and expressions used herein shall have the same meanings as
corresponding terms and expressions used in the Indenture: and (ii) the words
"herein", "hereof" and "hereby" and other words of similar import used in this
Third Supplemental Indenture refer to this Third Supplemental Indenture as a
whole and not to any particular section hereof.

         Section 202. Except as expressly amended hereby, the Indenture, as
amended by the First Supplemental Indenture and the Second Supplemental
Indenture, is in all respects ratified and confirmed and all the terms,
conditions and provisions thereof shall remain in full force and effect.

         Section 203. This Third Supplemental Indenture shall form a part of the
Indenture for all purposes, and every Holder of Securities heretofore or
hereafter authenticated and delivered shall be bound hereby.

         Section 204. This Third Supplemental Indenture may be executed in any
number of counterparts, each of which when so executed shall be deemed to be an
original, and all of such counterparts shall together constitute one and the
same instrument.

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         Section 205. The Trustee makes no representation as to the validity or
sufficiency of this Third Supplemental Indenture.

         Section 206. The Recitals contained herein shall be taken as the
statements of the Company, and the Trustee assumes no responsibility for their
correctness.

         Section 207. This instrument shall be deemed to be a contract made
under the laws of the State of New York and for all purposes shall be governed
by and construed in accordance with the laws of the State of New York.

         IN WITNESS WHEREOF, the parties hereto have caused this Third
Supplemental Indenture to be duly executed, all as of the first day and year
first written above.

                        [Signatures on following page.]

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                                         METRIS COMPANIES INC.

                                         By:  _________________________________
                                         Name:  Ralph A. Than
                                         Title: Senior Vice President, Treasurer

                                         METRIS DIRECT, INC.

                                         By:  _________________________________
                                         Name:  Ralph A. Than
                                         Title: Senior Vice President, Treasurer

                                         magnUS SERVICES, INC.

                                         By:  _________________________________
                                         Name:  Jean C. Benson
                                         Title: Treasurer

                                         METRIS CREDIT CARD SERVICES, INC.

                                         By:  _________________________________
                                         Name:  Jean C. Benson
                                         Title: Treasurer

                                         METRIS CARD SERVICES, LLC

                                         By:  _________________________________
                                         Name:  Jean C. Benson
                                         Title: Treasurer

                                         BANK ONE TRUST COMPANY, N.A.

                                         By:  _________________________________
                                         Name:
                                         Title:

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