"Providian This questionable institution chiefly preys on what in the trade is called the "subpar" segment of the market. There are numerous government investigations and class action suits pending against Providian but it seems to be business as usual, judging from the continuing stream of complaints we receive." So begins the introduction of this website detailing charges against Providian, the bank everybody loves to hate (and make fun of). lol http://consumeraffairs.com/credit_cards/providian_national_bank.htm