providian did it

Discussion in 'Credit Talk' started by rolo, Dec 10, 2000.

  1. rolo

    rolo Well-Known Member

    Well I called providian back ,and asked to speak to someone in the retention dept.I told the rep that I like doing buisness with providian and I want to use my card but I just couldnt afford to pay the 23.9% apr.And she said let me see what I can do and she offered me a 19.8 effective on dec 23. Well so much for waiting six months, my account is only 3 months old. I also had the annual fee waved before I used the card.Thanks everyone for your hepful tips.
  2. Saar

    Saar Banned

    I'm not sure why river's advice came as news to you. Everyone on this board for over a week knows that. A simple search would also have discovered it, as it would discover that after 2-3 more talks with Providian Retention (keep 2-3 month intervals between talks), you can have your APR further reduced to 16.9%, add a grace period to your card, and substantially increase your credit limit.

  3. rolo

    rolo Well-Known Member

    I talked to theire retention dept 2 weeks ago and the rep told me my account was not open long enough and she wouldnt budge. The lady I talk to today was very nice, and I did even threaten to cancel the card.
  4. river

    river Well-Known Member

    That's a good start!!!!!!If there's a will,there's a way!!!!Congrat and continue marching on.
  5. rolo

    rolo Well-Known Member

    Thanks to you river I had the guts to call back.
  6. river

    river Well-Known Member

    Good luck in the future!!

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