Providian did not offer me anything. They just spouted off crap about how I had accident insurance, etc. so could they keep my account open? Noooo. "Well, you can use your card for hotel reservations, etc., so could we keep your account open?" Nooooo. 'Well, can we keep your account open?" NOOOOOO. They have made almost every one of my payment due dates on either a Sunday or a Holiday. This means that one cannot make a payment on these days. Providian says that if your payment due date falls on a Sunday or Holiday, then it is due the previous business day. Not anymore! I am done with them! Now to get my security deposit back. I sent in a check/money order (money order I believe) for $150. Providian's auto account info says that my savings account balance is $50 and some change. Huhh?? I have copies of everything that I sent in.