has anybody gotten anywhere with providian! I am waniting them to delete two late pays from 2000... but they don't give goodwill adjustments. my annual fee just put me over the limit but this is my oldest cc (98) and i need the account right now.... any suggestions!
After 24+ years of NO LATES and NO OVER-LIMITS...I WOULDN'T START NOW...that's how they make a bunch of money besides 20%+ interest (for some)... DENIED!!!
I haven't had any luck with them in trying to remove old late pays. I have an account that they closed and I am paying on. I have tried to get 2 lates removed but they wont do it. I'll try a pay for deletion soon but I dont think they will do it as they have nothing to gain. Why would they want me to pay it off when they can make 23% interest. I'll mention Chapter 7 and see if they bite. Good luck with them. I hate them.
So you're going to call them and ask to remove the lates and mention BK? I don't get it...why would that be to your benefit?
I would do it as a last resort. After they refuse to delete, I would probably just throw it as an afterthought: "oh, well if I cant get some relief, looks like Chapter 7 may be the way to go" Just plant a thought in their minds and see if they move. Its a last resort, nothing to loose effort.
