I read the agreement of Providan Smart Visa card and they have some ridiculos fee like: Payment requests: If you request a single payment by phone or online from your personal checking account to your Providian Smart Visa credit card account, a $9.95 fee may apply. Credit line increases: Based on your credit performance and account use, you may earn automatic line increases at no extra cost. Additionally, you may receive offers of more credit for which fees of $29 to $99 may apply. Ron.
