I complained via Planet Feedback about the apr. and it has been reduced to 19.8%. This is old news. Yesterday, I spoke politely to a rep about my account. Today, I followed that call with a 2nd call to Retention. I was informed a credit limit increase is in the works. More negotiating is obviously ahead when I get the offer in the mail. Just a routine Providian update. P.S. I did not threaten to close the account as I have no intention of ever carrying a balance on the account anyway. I did not want to go overboard with Providian as I have been reading Dogman and others posts with some concern.