Okay...I just got the infamous 29.9% rate hike and am not sure what to do from here. In less than thirty days, I should have TU and Experian clean. The original creditor of the one account showing on both of those reports has agreed to the immediate deletion of the tradeline and I have it in writing and will have a copy of the UDF by the end of the week. I have no other derogs or lates or anything other than 15 positive tradelines on those two reports. I'm thinking that I should wait until they are clean and then apply for a prime card through either Generations or Discover and ask for a BT for the amounts that are currently on Providian and at that point either close the accounts, or ask for a rate decrease and no fee. Any input? L
They got to get the money to STALL "BK"...they have to get it from you...SINCE I WASN'T GOOD ENOUGH TO GET A CARD FROM THEM!!! DENIED TWICE FOR THE GET SMART WITH A "GO-TO" 9.99% with a low teaser rate.
