Discussion in 'Credit Talk' started by slt, Dec 13, 2000.

  1. slt

    slt Guest

    Has anyone received an instant credit line increase with Providian because your had the card for 1 year? Do anybody have the credit protection with Providian that they offer? What's you opinion?
  2. Chet

    Chet Well-Known Member

    I've had the card since 5/00 and have received 2 instant increases. I have went from a $500 dollar line to $2,200 in 7 months. Although I paid $99 for a $1,000 line increase, they automatically added on an additional $500 with the $1,000 line increase.

  3. zip

    zip Well-Known Member

    on my 1 year anniversary i recieved an up grade of 200.00 then an offer to upgrade to gold with another 1000.00 dollar increase.after 1 year i have a 2750.00 credit line at 19.8 I plan on calling and getting them to give me a grace period and have them waive the annual fee
  4. roni

    roni Well-Known Member

    Say what. They didnot give me an extra $500. Where is my phone? LOL

  5. TommyC

    TommyC Guest

    I got a preapproved offer from Providian for $1,000.00 in late July 2000, after mailing in an application fee of $49.00. Since this time I use the card a lot at school and pay it down to 30% of my credit limit (per instructions on another board)and have received my first increase for $200.00 automatically in the third month. In the 4th month, I received a credit line increase of $1,000.00, for a $49.00 fee and in the fifth month, I received an automatic $500.00 credit line increase without a fee. I called Providian, to ask them something regarding online bill payments, and a couple of weeks later, I noticed that my credit line had mysteriously increased another $100.00. So, in the five months that I have had and used Providian's Gold Visa Card, I have gone from $1,000.00 to $2,800.00. I'm looking forward to negotiating a grace period and lower APR, at the 6th month mark in January 2001. Good luck negotiating everyone who still have Providian, TommyC
  6. creditwork

    creditwork Well-Known Member

    I had a line with Providian, they increased it from $10,000 to $11,200, but I eventually closed when they refused to give me a lower rate (23.9%APR) is just too high.
    Credit protection is not worth the price.
  7. slt

    slt Guest

    To Zip: RE: Providian???

    Where you ever offer their Mastercard?
  8. zip

    zip Well-Known Member

    RE: To Zip: RE: Providian???

    yes 6 months after i recieved the visa i got an offer for mastercard which i accepted.mastercard started off with a 1000.00 limit
  9. Cadillac408

    Cadillac408 Well-Known Member

    Smart move! I would have done the same. 23.99% on $1k is nothing compared to 23.99% on $11k! I can't believe they wouldn't come down? Oh well, too bad!
  10. Cadillac408

    Cadillac408 Well-Known Member

    Thanks for the tip!

    You have really gotten places w/ Providian! I'll have to try your tactics.


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