What they know is my credit score (587) and what other kinds of offers I would receive from other credit card lenders. They must monitor those other lenders and formulate their responses. What else explains how some may get reduced apr's, line increases, gold cards and grace periods? When the FICO goes up and a certain category is reached, you can bet Providian will start their own offers and methods to retain. Providian knows. And we customers are making fools of ourselves (at least somethimes, I know I have begged) when we make phone calls without the upper hand.