I want this ASAP, because I know I probably won't use the card often with the current terms. That would probably mean that I wouldn't receive increases because I heard they give increases quickly only if you use your card a lot. Any suggestions on how soon I would be able to ask for lower APR and grace period? Please share your experiences and how to go about doing this. I've been reading the board and have seen many different things about dealing with Providian, but I would like to know what really works and what doesn't. Thanks for all the input!