Providian Late Fees

Discussion in 'Credit Talk' started by RichGuy, Oct 2, 2001.

  1. RichGuy

    RichGuy Well-Known Member

    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.
  2. kustomkat

    kustomkat Well-Known Member

    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.
  3. ss2744

    ss2744 Member

    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!

  4. kustomkat

    kustomkat Well-Known Member

    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
  5. Om

    Om Well-Known Member

    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.

  6. Saar

    Saar Banned

    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.

  7. RichGuy

    RichGuy Well-Known Member

    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%.

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