aria

If this helps any, I used to get these offers for 500-1000 from providian monthly never sent them in, then i applied online at the Aria site and got the platinum card for 5K, go figure. But one thing has made me mad, I have heard several people say they have more than one account from them, I however was told you could only have one, hmmm just makes me wonder that is all. But anyway I am just saying that I received their offers every single month and so did my hubby and we both declined to send them in for a mere 500, and yet we were both approved for 5K. So I think you have a chance here.

 

I received the same Mastercard offer. I called customer service to find out if the terms of the account could be negotiated. The rep stated that the terms in the offer could not be changed. She stated that the pre approved offers were only sent to current Providian customers who had their current accounts in excellent standing. She did leave me with the impression that I may receive other offers that could have better terms.
I did not send in the approval card because my current account has a much lower interest rate & I do not pay an annual fee. Hopefully I will recieve a better offer in the future. Hope this helps!

 

They used experian on me.

 

I believe the Aria-line of products is better that Providian's "indoor" products, in that Aria Portrait/ Platinum require no annual fee and allow a grace period.

The exception is the Aria Persona, which is a rip-off card, and is no better than Net 1st, First Premier, etc.


Saar

 

Sorry, I'm not sure what bureau they use to initially check credit.