I sent an email to Providian few days ago, have not gotten a response. SO I called customer service and asked for a credit line increase and unsecure status of my account. There is a $49 dollar security on it.. the credit limit is $950, so pretty silly. Well she told me they dont do credit line increases or unsecure accounts, the only way is to upgrade. So I said, ok how can I be considered for an upgrade? She said that the 'credit department' reviews accounts monthly and will make offers. I asked ehr why she couldnt offer an upgrade and she stated that b/c there was nothing available. BTW, I have had this account for 20 months, never late. Equifax shows this account as being secured on my CR. TIme to pay the balance off, and put this card int eh sock drawer. I have noticed that if you dont really use the card much for a couple months they start sending you checks to use, etc... at the reduced APR, which is still high! I like my Cap1 cards 10X better then this!
I store some of my credit cards in the sock drawer too!!!! Usually the cards that I do not use frequently. Or the toy credit cards
I'm disappointed to hear that about Providian. I have a getsmart card & threw away their offer to increase my limit for $99. Guess I made a mistake.
Socks are easier to move than shirts or pants...(when they "GIVE YOU WHAT YOU WANT" after they LOSE big time).
With Providian you have to use the card AT LEAST once a month for 4 straight months and never be a day late with a payment. Providian sucks! Don't be surprised if your sock drawer tries to spit the card back at you!
When your account turns 24 mths old,your credit file should get a MAJOR point boost. I am just a firm believer of NOT DOING business with an unwilling participant. You should be prepared to actually cancel the account;it will quickly reflect on your credit file & will be factor to another company to consider your request for another card(should you apply for replacement card) It is certainly time to give them the boot(or the finger.....LOL). Sister Girl
24 months will give me a good point boost?? Sweet! I think Im going to hang on to the card, just not use it and see what happens, dont want to lose the open account on the CRs. But, one day I will tell them where to go.
