Always nice to see what the "prime" holders think of the different credit card companies. One of who is an 'old favorite' Providian, which after all has 90% of its business in this market Check out http://soon.epinions.com/finc-Credit-Cards-Standard-O-Z-Providian_Bank_-_Aria_Visa_Card The scathing comments from an ex-Providian worker is most enlightening. You'll see those with 'good credit' react quite vehemently to the ripoff sub-prime tactics we take for granted. First USA, to no surprise, takes the brunt of the criticism. Sorry, you will not find Cross Country Bank bashing on this site, nor any other of the sub-prime variety, its a "prime" site after all.