Discussion in 'Credit Talk' started by Kay, Apr 22, 2000.

  1. Kay

    Kay Guest

    I just received an offer from Providian in the mail. $49.00 deposit, $300.00 credit limit, high interest- 23.99, no grace period. I'm thinking of getting in for emergencies. Is Providian a good company, I've had no experience with them. Thanks
  2. FISH

    FISH Guest

    I have not had any problems at all. Got a card 2 years ago at 1000 limit and now it is a gold card with over a 5000 limit. As long as you pay on time and a little more than the min. there is no problem. I even called them the other day and said that since I was now upgraded to a gold card and had shown a good payment history, couldn't they lower the apr. They did 4 1/2 points.
  3. BOB

    BOB Guest

    There rate is a little high, but their customer service dept. is really good,
    if you have a question they will get you
    a answer. In over 2 years we have not had any trouble, they also lowered our rate
    after we got the gold card. It would be a good card for you in an emergency.
  4. creditwork

    creditwork Well-Known Member

    I am going to have to try this. I have a limit of $11,300, but they have not sent me an offer to lower their outrageous 23% APR rate. You are not the first person to post about them lowering their rate, but thanks for the information.
  5. Frank

    Frank Guest

    Providian is a great company. I started with an aria credit limit of $ 1000. I've had the card since July 99, and now is $ 3100. I called CS and they lowered the APR from 23.99 to 19.5 If you make your payments on time, you are on your way.
  6. EC

    EC Guest

    I have a cousin who blasts Providian because she claimed they screwed her over when she reached her limit. She got into a hole.

    I stand behind Providian. I got their 23.99% $59/yr account and in a matter of a year, My annual fee turned to $39 and a 18.9% APR and my credit line went up to $1800. TYhey have been very good to me.


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