This thread is for those who have either the Providian gold card or the classic card with "gold card privileges". I will be vacationing soon and will rent a car. I downloaded the VISA gold card benefits (see http://www.visa.com/pd/enhancements/main.html for the VISA gold/platinum benefits) wrt car rental insurance. I called VISA to ask a question unrelated to this thread - but before I hung up I asked to make sure that my Providian gold account was registered in VISA's gold card database. To my surprise, the VISA rep told me that it was NOT a gold card but a classic card and did not qualify for car rental insurance. I flipped out. I called Providian and asked how was it that they sent me a physical gold card with "Gold" plastered across the top, and a packet explaining my gold benefits, but VISA did not have me covered as a gold card member. Providian assured me that I did have gold benefits, but I told them according to VISA I did not and I demanded proof of the benefits. Providian gave me it's policy number with VISA, with which I called VISA back and requested coverage. The VISA rep then upgraded my card to "gold" in it's benefits database. The problem? When a company upgrades your classic card to a gold card, it is suposed to give you a brand new account number. The first 6 numbers of your account automatically tell VISA what kind of card you have and from whom it is issued. Capital One upgraded my classic to a gold and changed the account number; VISA had that card in it's database. Providian did not change my account number; therefore VISA did not recognize it as a gold card. Anyway, my problem is solved now thanks to my foresight in verifying coverage. God forbid that I be in an accident, having declined the rental insurance b/c I thought I was adequately covered with Providian, only to later find out that VISA would reject the claim. Anyway, if you have an upgraded gold card or a classic with "gold benefits" you may want to call VISA at the number listed on the car rental benefits webpage to make sure that they update your card correctly.