history. Six months ago Providian gave me a card with $300 limit, secured by $49 savings account. Now they are offering to increase the limit from 300 to 800 for a $100 fee. Would this be a smart move on my part - or should I wait for a better offer? Also regarding Providian; their entry on my current credit report says that this is a secured card. This is not what I expected. Have one other secured card and the credit report shows the account, but makes no mention of it being a secured card (Wells Fargo). Can I get Providian to change the information on my credit report?