credit line, 9.99% stanard APR, 0% til august,no fee ever. I think this sounds great! What I want to know is why I got it. I have one perfectly clean credit report, but the other two are a disaster. (collections, charge-offs) I am on a family members charge card, she has wonderful credit. could they have mistaken me for her? The question is , if I try to accept the offer, will I get the card? Won't they check my other two credit reports? I'm excited, want this card, but don't know if I should go for it. thanks! Also, if providian an okay company?