Over the next 6 months a number of Providian Customer Service Reps came on the board (both real and numerous fake) to say their piece and defend their companies' actions, which they did strenously (one really abusive man comes to mind) up until the minute the announcement came that Providian had agreed to pay back ripped off customers to the tune of 20 million. Since then Providian made many claims' that ' they were going to bring forth many positive changes and to all appearances they have. The proof is right here on this board where the main topic of conversation involving Providian is how to increase one's credit limit. Shows what the power of numerous class-action lawsuits which bring the focus of the media will accomplish. Now, Providian is a much bigger bank with huge amounts more of capital behind it than Cross Country Bank. If a bank such as that can be made to come to heel than most certainly the same can be done to CCB. But its gonna take that BIG class-action lawsuit to do it. All the seperate individual lawsuits, while nice, because everybody always beats CCB, and yes they do have 'some' cumulative effect, especially if take place in a Federal Court, are not gonna do it, at least not anytime soon. So I say to all the victims of CCB on this board, CCB has screwed you is gonna screw you even worse and has already or will certainly toast your credit report. Get off your butts and use some of that money that your throwing away to CCB who just "loses it" and then charges you even more illegal fees and apply it towards the legal fees and join a class-action lawsuit which will bring this nightmare down once and for all. Providian, which has much of its clients in the "PRIME" category when put to the wall was able to clean up its act regarding its sub-prime clients. CCB, which soley RIPS OFF (they don't serve anybody but lining their pockets) will in all likelyhood get bought out by another institution when the pressure finally gets put on them, as for the new ownership while they very well may be another set of crooks, at least we'll have gotten rid of Rocco and his gang who can go back to the protection rackets and loan sharking on the streets of Brooklyn where they came from.