I've been with them for 3 years now and they have increased my limit over the years. Never had any problems with them and they even handled a mail order problem I had and credited my account $2000 I was scamed out of by a mail order company. Only problem I have is that they have raised their cash advance fee to I believe $35.00 for any cash advance you might make.
Cash Advances Providian, of all possible contenders, has what I believe to be the lowest minimum fee at $3. Their rate is 5% or $3, instead of the more common (including Citibank) rate of 3% or $5. The Providian formula gives small cardholders a break on small advances, but ruthlessly punishes large cardholders who can take large advances.
The GM Card is underwritten by Household Bank. Nothing really wonderful, but nothing really terrible, either. They recently introduced an online payment function, although it is a bit more "clunky" than Capital One's, for example. Their main selling point (their rewards system) is only relevant if you are planning on buying a new GM vehicle in a couple of years or so. -- CardReport.Com - Credit Tools, News, And Reference http://www.cardreport.com/
