I have two Providian cards. A Platinum which I've had for about 6 months now and a Get Smart which I've had for 2 years converted from ARIA. I sent PVN a letter basically demanding a Grace on the Getsmart because it's currently the only card without one I have now. I told them either that or give me the avalible credit on the Platinum or I'll close the account. I get a letter today saying the account is closed. LOL!!! Man I guess I should have been glad I didn't get a rate increase letter. I should have seen that coming because I haven't used that Getsmart in 5 months. Oh well just lost about a FIFTH of my total limits. Has anyone use on of those Dam chips for anything yet??
From what I've read on this board, bever bluff like that!!! Especially with the likes of PVN! I have two accounts with them as well and pretty much all the previous shortcuts--calling R or specialized customer service--for getting better terms don't work. I've asked about limit increases and APR decreases and got nowhere. I didn't get the 29% letter so I'm still at 19%.
I was indeed going to close this account anyway. It was slow to increase in limit plus their platinum had a limit 3X times it had and a lower APR. So why even use that card. I'm doing the same thing with CAP1. I'm going to tell them I want to ditch the 2k card and put the limit on my Platinum with them. The only thing with them is they actually DO combine cards. I'm tired of hereing you guys talking about moving to CITI and AMEX.. It's my turn now. (LOL)!
