Well, I got a snippy young woman today who simply refused to "negotiate the terms of my card" and said any increases in credit limit would be done automatically(read "for a fee"). Has anyone else run into this recently with Providian? The only thing I can think that may have happened was that I was approved for a NextCard last night, and transferred the balance I had on that Providian card, but I can't believe that NextCard would have already done that, would they? I'm sure it takes days instead of hours for a transfer. I don't want to close the Providian account, because I want to keep my debt ratio down.