THANKS TO THIS INFORMATION I'VE GATHERED FROM THIS BOARD OVER THE LAST FEW WEEKS, I TOO DECIDED TO DO SOMETHING ABOUT THE HIGH INTREST 23.9% ON MY PROVIDIAN CARD WHICH I'VE HAD FOR 15 MONTHS. I CALLED CUSTOMER SERVICE ANDS GOT THE, YOUR ACCOUNT IS REVIEWED REGULARLY FOR THESE THINGS AND WE WILL NOTIFY YOU OF ANY OFFERS LINE. BEFORE I COULD HANG UP THE LADY WENT INTO A SALES PRESENTATION FOR SOME KIND OF OFFER. WHEN SHE ASK IF SHE COULD RECORD THE CALL I SAID I REALLY WASN'T INTERESTED, BECAUSE NOW I WAS THINKING OF CLOSING THE ACCOUNT. SHE THEN TRANSFERRED ME TO THR RETENTION DEPT WHERE I WAS PROMPTLY OFFERED 16.9%.
I've had a Providian Gold for about 2 months now and they started me w/ a $500 limit. I called to negotiate w/ them about the terms and since I'm reestablishing my credit, they said the best they could do was lower my APR to 21.99. Better than 23.99. I plan on calling them back in about 2 months to see what i can get.
THATS WHAT MINE STARTED OUT AS. I HAVE A BK THAT IS APPROACHING 2YRS SINCE DISCHARGE. MINE WAS DUE TO A BAD BUSINESS VENTURE. HAD GREAT CREDIT BEFORE THAT. NOW I'M GETTING AN EDUCATION. I ALSO GOT A CAPITAL ONE SECURED CARD JUST BEFORE FILING BK WITH A 300 LIMIT. AFTER A YEAR THEY GAVE ME AN UNSECURED GOLD CARD WITH 300 LIMIT. I JUST GOT GOT THERE KMART MC/VISA WHICH WAS UNSECURED. I REQUESTED UNSECURED STATUS ON MY ORIGINAL CAP ONE ACCOUNT TO WHICH THEY SAID THEY'D REPLY WITHIN THIRTY DAYS. I'VE LEARNED ALOT FROM EVERYONE ON THIS BOARD OVER THE PAST MONTH. I SIGNED UP WITH JUNUM TO GET STARTED CLEANING UP MY CREDIT REPORTS