I have recently had success with Providian in negotiating my APR from 19.80 to 16.99, gaining grace period of 25 days, and waiving annual fee. Limit is at $5700. I also have an FCNB unsecured card...what I am wondering is if anyone has had similar success in getting FCNB to negotiate on terms--currently APR is very high at 22% as it has been since inception. Any ideas/experiences?
I recently had the same, lowered the Providian rate and called FCNB and they lowered the Master Card (unsecured had now 3 years ) to 17.9 and the Visa (unsecured) had for 1 1/2 years it is 20 and they said they have to review the Visa and will let me know in 5-7 days. The Master was older acct. Have over 2000 limit on Visa and 3000 on Master
Nice Job NG.... Looks like you've turned your sub prime Providian card into a prime card! You have better terms than I do on my Citibank Classic! Go figure....
