I know Aria and Providian are the same company. However, they are not the same card. I applied on-line for an Aria card. The immediate message said something like "we can't make a decision at this time and a letter is forthcoming". I later called them and rep said I was declined and the letter would explain why. So I then called Providian and applied with over the phone. They approved me for a secured Gold Visa with a $100 minimal deposit and a dollar for dollar credit limit. Total limit increases can't exceed $1000 for 1st year. Well today I called Aria because I never received their letter of decline. The rep said I was declined because I was approved for Providian and I can't have 2 cards. She said that the decline occured for no other reason and told me to call and cancel Providian. Then I should write Aria telling them I cancelled Providian and want the Aria. She said that she couldn't guarantee my approval but saw no reason why I couldn't get the Aria. Now tell me which is better for credit increases?...for APR?...for initial limit?...for customer service? Is it worth me chancing a slim possibility of being denied for Aria? Should I take the Providian and be satisfied?