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Discussion in 'Credit Talk' started by IamBuzzed, Jun 26, 2001.
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Might want to do a search on this. Normally when you are upgraded to Gold, your number should change. If the number didn't change then I think that might mean that your card is not classified by Visa or something as a TRUE gold card w/ gold benifits.
This happened to someone here before. I can't remember the whole story but something along the lines of them getting upgraded but not TRULY upgraded.
It was me. If you do a search for "marci" and "chubb" it will come up.
For most companies the card number does change, as that signifies inclusion into Visa International's gold/platinum card benefits database. But not all companies use Visa's insurers to underwrite their "gold/platinum" benefits. Providian uses Chubb instead, at least for some of the accounts, and so while the benefits are true gold benefits, they simply aren't registered with Visa that way. Thus, no need for the account number change.
From what I see, Providian's benefits match those of Visa, so no harm is done. I think.
Thanks, MP$40, for the link. Here's the update to that conversation.
Your new Providian Gold card number may or may not change.
Usually the first 4 or 6 digits of a cc number will designate,bank,classic,gold,or plat.status. So someone(or a computer program) looking at your credit file could possibly tell which type of acct you have with that company.
There are exceptions.Citibank is big enough to make their own rules and can change a classic card to a plat card and still keep the same #, if they want to and you ask them to.
The other exception I'm aware of ( I'm sure there are more)and the answer to your question, is Providian credit cards that start with 4478 or 4479 can be upgraded without changing card numbers.
When my Visa was upgraded to gold, my number changed. Last month they upgraded my Mastercard to gold, but I still haven't received the card so I don't know if it will have the same number.
How long did you have your MC before it was upgraded?
I already answered you in Yahoo IM, but figured I'd post here for everyone else. They told me they'd upgrade me at the end of May, and the card would have been a year old in June.
The original thread I posted about this is here: