I have a question: How late does Providian have to be in posting your payments before they charge you late fees? I found out yesterday that my two Providian payments were posted 1 and 2 days late.
Providian Late Fees usually post a few days after the due date.. I have been able to remove all of my providian late fees from the Visa, MC, and Get Smart Visa when ever I call and ask them to. Just be nice and polite.
I just got off the phone with them myself....they credited my account for a late fee, the payment was on time....I Asked for a credit line increase and they wanted to charge me $49 bucks for a lousy $250 limit increase, they wouldnt budge, asked for an apr reduction...wouldnt budge....Anyone had any luck with Planet Feedback when Providian "Getsmart" doesnt want to cooperate? I have never been late and I always pay off my balances. Been with them for 2 years and have a $1700 limit. What Gratitude! S.
Wow. I have been with Get Smart since april, my original credit line was 250 bucks but now its at 1600... and my apr down from 23.99 to 16.9.. I even have a providian c/o from 99 an all of my reports still... huh.. and i have just got their visa gold and m/c gold awhile back -Kev
I have been with Getsmart for nine months, I called today and spoke with retention and had my APR lowered with no problem. Call and ask sombody else. -Om
Cards from their "standard" subprime series can't go below 16.99% APR. Capital One ("R" dept.) would, however, lower the APR to 12.9% to just about anyone. Saar
Thanks, Kustomkat, for your reply. I hope I don't get charged any late fees, but if I do, it's good to know that a few late fees haven't kept you from negotiating down to 16.9%.
