I talked w/several departments at Providian and got different answers to the smartcard issue. Here the 3 answers I got: 1. You may have up to 2 Gateway (their term) cards eg: Prov Visa and Prov MC. If you only have one, you may still apply for the smartcard. If you have a visa and a Mc (both from Prov) then cancel one and apply for the smartcard. They said the card shows immediately that it's closed. Apply the next day for the smartcard. 2. You may have up to 3 Prov cards total (including Aria). If you still have 1 slot on the Prov side, go ahead and apply for the smartcard (so you could have an Aria and 1 Prov card and still apply). 3. They just changed their policy, used to be 3 cards max, now it's as many cards as you can qualify for. There is no limit of cards you can have anymore. Do you like the 3 distinct answers??? Regardless of which answer is correct, I would guess that if you have only 1 Prov card, apply and see what happens. I was told unilaterally that the message "if you already have a Prov card you can't apply" is bogus... HOWEVER: do this at your own discretion. I am very curious about this, but I have 3 Prov cards (2 Prov and 1 Aria) so I'm going to just wait for an upgrade. I don't need another card at all and another new card would kill my score. If anyone tries this, let us know what happens. I got the postcard in the mail today so I was curious as to what the deal really is. Clearly, Prov reps aren't told the same things.