My friend has Providian at 22% ($2,500 bal) & Aria($1,000 bal) at 22%. Is there a way to lower these rates and get the annual fees waived. They are thinking of just paying them off and maybe closing the accounts. Capital One lowered to 12.9 adjustable. They seem cooperative compared to the others. Any advice would be appreciated. What have others found regarding these companies. Thanks, roger
