I told retention that I only pay an annual fee on one other card and only because it offers reward miles. She said the payment record has been excellent but the account was not profitable. She is right about that. I pay off the balance every month because Providian has steadfastly refused to lower the APR from 19.8 and I only carry balances on cards with rates half that much. Of interest to others, she said that Providian will be offering platinum upgrades to some gold cardholders with better terms and no annual fee starting next month. She noted that I would probably qualify for the upgrade. Still she wouldn't waive the fee. I closed the account. This leaves me with two Orchard accounts and 5 prime accounts. So far, Orchard has waived fees.