by an itty-bitty 2%, but that is better than nothing. My APR was at 23.99% now 21.99% and they also waived the $59.00 AF. I don't know if the AF is waived for 1 year or for life-I think just 1 year. Also my husband has had a Providian acct for 4 years and they were going to raise his from 23.99% to 29.99%. That is ludicrous!!! I called c/s and they said the same thing others posted, 'it was a business decision'. I told them it's funny I've had a cc for 3 yrs and his for 4 yrs yet mine was not raised. Of course he could not give a explanation. Needless to say he closed his account to keep the 23.99%. Their loss!! At least with mine it will be 2% less they'll be getting. Well, it's a start. Thanks to you all I would have never thought of calling!!! Thank you!! HeatherB
yeah, they are weird... I had mine less than 2 years, and they lowered it to 16.9, who knows what they go by... congrats on the decrease though, and the AF!
ditto! i went down to 21.9, then 19.9. them 16.9. It can be done if you keep at it. The good news is that your account is one of the good account they want to use to replace the platinums they sold off. Congrats!
Thanks for the congrats. I still don't understand why they would let my husband close his after 4 yrs, I think he was late 2 x's the first year, but no lates these past 3 yrs. Oh well!! Thanks again! HeatherB
I PFB and asked for a rate lowered from 27.99% (I can't believe I even KEPT the card at that rate) and they sent me a letter today that they have lowered it to 16.99%. They dropped the Annual Fee, but like you I am a little concerned that it will be billed next year anyway. This is my first request for account review to Providian, so I hope that next time they are even more generous! They also raised the CL by $100, but I was TOO excited about the percentage drop! I guess there is hope. And try PFB because thats what worked for me, it apparently went right to the Executive office.
This isn't about Providian but CapOne. I called them to combine a Gold Visa and Gold Mastercard. The Gold visa has no balance. The rep says, "Can't cuz you just got an increase on the MC". I'm bummed. She transfers me and the other rep says, "We can lower your APR to 15.9% fixed". I say, "15.9%???" I'll take it. That's a 4% decrease. It's NOW lower than my Gold Mastercard APR (which is 16.05). Goooooo CapOne. By the way, I'm still going to combine the cards...LOL
