Woo hoo!!! (not) They just sent me a check for $3,000, with no fees!!! This deal is only available until July something or other.... I quite reading when it said the cash advance rate of 19.99% would apply. Hello! Wake up Providian. Also in today's mail was a check from DMB for the same amount - $3,000, no fees, 6.9% for the life of the balance.