I wrote them about my interest rate and credit line increase. I received a letter in the mail today. They did lower my APR to 19.99. That is OK I guess, but as for the increase, no go. The executive offices informed me that they do a promotional inquriy for increases, and you are either approved or declined. I guess I can accept that as I have my new Chase card with a much lower APR. I wanted to keep the gold card to take advantage of the Gold Benefits. I logg on to creditexpert to see if they pulled a credit report. They did in 9/2001. It was a soft inquiry. My score is the low 600's. It would appear that newer customers of Providian won't get the large increases of the past, unless the fico score is high enough. A friend of mine experienced the same thing. We opened our accounts the exact same day. He was approved for the classic card. He didn't get an increase either, and they did a promotional inquiry. I think I am going to work on reducing the interest rate rather than increasing my line. I am going to pay off the balance, put the card away for about 6 months, and write again for a reduction in interest. From what I can tell the older accounts will continue to get increases as in the past. I just thought I would share with everyone.