I just sent in my $49 processing fee for the Providian Gold, but the APR for the Cap 1 is 19.8% as opposed to Providian's 23.99%. Is Cap 1 any good or should I just stick with Providian and establish my credit? I don't want to jump into something that might become a mess later. BTW, once I receive my Providian Gold and start charging, can I pay it right away? I mean - way before I receive my bill? It sounds kinda stupid, but since I've never had a credit card, I want to make sure. Thanks!