So I finally heard from Providian regarding my letter via planetfeedback.com. I had asked why I would not be able to apply for a new card since I had a charge off in the past '98. Well, the letter basically said due to my payment history with them, they are not able to offer me a new account with them. Oh well, Providian said no, but Cap. 1 gave me 1K increase. All and all, I have to say I am impressed with planetfeedback.com. It truly is a powerful vehicle. Mike G.