I have Providian unsecured visa (now it is gold) with $3250 credit line (started with $500) in March 1999 with APR 23.99%. Today, I called them and negotiated with them to reduce my APR and they did. Now the APR is 19.8% (still high, but it is better than 23.99%).
Good work, and thanks for sharing it with us. Do you still pay an annual fee, and was it lowered when you upgraded to the gold card?