Hey everyone! I was wondering if anyone has come across this and what action did you take? My hubby has 3 Providian accounts Visa gold opened 11/99 MC gold opened 6/01 Getsmart opened 6/01 On the visa gold it started out $500 in 5/00 he called and increased to $1000. In 4/01 they automatically increased to $1200. In 5/01 he received an upgrade offer of $1000 for $99 so he signed and sent it back with no problems. It was increased to $2200. It went up to $2300 after complaining about the $99 fee. Since then he has not received anything-he has called and called but they will not increase anymore. Two weeks ago his MC gold was automatically increased from $1000 to $1200 and a few days later he received an upgrade offer $1000 for $99. So he signed it and sent it back. Then yesterday he gets a letter in the mail saying Thanks for your interest but you can't have it because your account has been increased in the last 120 days??????? Whats up with this? Why even bother sending the offer then. It seems they are really going downhill lately! I also have a Visa gold $3000 starting limit opened in 3/01 and they will not increase no matter what! Any ideas?
Call back. Ask to speak to a supervisor. If they can't do it tell them you want to close the account. then you'll get retention. When you get the retention dept, ask for the San Antonio office (if they're open). WHY? they're nicer and do more. I don't know why, but I see a pattern here. Trust me. they may be able to run it through. It used to be you could have no more than 200 in the last 120 days and you could still accept those 1k offers. I think they're redoing their systems and it's likely just a screwup. Obviously, they think you can handle the credit if they offered it to you. If the retention rep can't do it, ask for a retention supervisor. If they still can't do it, ask them to transfer you to the executive offices. be very angry but have it controlled. The worst case scenario (if you ever keep balances on the card) is that they will refund from 1-3 months of interest off your card as a courtesy if they really can't do the increase. But, after all, they were the very ones giving you the free 200!!! Try to get interest rebated regardless If not on that account, have them go to an account that's had balances in the last 90 days (that's as far as they can go back).
OH, of course, if they will process the 1k increase after all this aggravation, they should waive the fee. they used to do this all the time just for the asking. we'll see what they can do now in their current cash crunch.
