I love to be negative. It's my greatest joy in life, and I have had many others. But I was checking out the Aria website and looked at their midlevel Visa, which I believe is called Portrait. It actually looked better than I expected. The Persona, the obvious subprime offering, could be slightly worse than the present anonymous Visa (since they mention a possible $89 annual fee.) But the Portrait, even at 20.49%, has no annual fee and looks like a lot of other cards. It's obvious that Providian is trying to diversify their offerings.