4 months would be quite an accomplishment~!!! I originally also accepted all their programs (even the ones w/out extra credit lines) because it increased my CRA reported high limit and it also increased my balances (so it looked like I was using the card even more than I actually was). Fortunately, when you cancel the programs Providian will refund the interest associated w/the charges. Not sure how much this helped me with Providian but the higher limits certainly helped me when applying elsewhere! I always heard that you start with increasing limits and then eventually work on terms so I've approached rebuilding credit that way. I've got 12K in available credit in 17 months starting with Providian and I definitely believe that Providian has been key in rebuilding and increasing my credit lines elsewhere.