This is for anyone who's trying to get a grace period on their card .. I talked to a rep and asked her for a grace period she said providian dosn't offer grace periods. So I asked to speak to a supervisor, all the time i'm telling her me and a friend got the same card and he got a grace period.. The supervisors are pritty stiny you've gotta be pushy.. she offered one of both either 16.9 that i was asking for (current rate 19.8) or the grace. I took the rate since i carry a balance and i'm not gonna pay it soon. I plan to call agian soon. ! So I guess the message is ask for one thing at a time. unless your option to close the account is open.