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Discussion in 'Credit Talk' started by Arthur, Jun 1, 2000.
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I hope it isn't just Providian employees reporting all these good experiences, since I'm counting on similar good thigs happening in my case. It was the hope of limit increases without fees, a gold card upgrade, a lower annual fee, and a lower interest rate that persuaded me to keep my Providian card for another year. All these things have been reported on this message board within the last month.
That being said, I think we all need to be very careful about Providian cards. The late posting issue could revive at any time. If it happens again, anyone who is near their credit limit could get hit not only with bogus late fees, but with overlimit fees. With the high costs of Providian credit, we have even more reason not to approach our credit limits. It could prove impossible to pay off a large debt to Providian, since most of our payments would go for interest and fees.
I hope that no one ever relies on Providian as their sole source of credit. Just like an abusive spouse, they try to isolate you from the real world of other people (and other credit cards.) You may need them to raise your credit limit a few times so you look respectable to other banks, but then you should let competition take over.
RE: Providian, -> has been
I started 8 months ago with a 500 credit line, which is now 1700. They have processed my payments immediately, and given me no trouble, other than I have never been able to get my 1st statement. It never arrived and a call to get it resulted in nothing. Everything else has been immediate and done exceptionally well.
However, I'm still nervous. I still send my payments in with the tracking USPS offers.