However, my credit line is now $1700, and I've never had the slightest complaint with Providian's service. Next stage: Does providian report this? And, will it make any difference? I still owe several debtors I won't be able to get paid off for several years. I use my credit card during the month to buy gas and other normal expenses, even pay my bills, and make payments on my debts, then make a very large payment after the first of the next month. This has greatly improved my ability to to be liquid and pay the bills on time - no need to hold onto a large amount of cash until the next payday for those unexpected needs - like a tire when one blows out. What I'd like to do is get away from the high fees of Providian, and get into a better card to use the same way. I'm not attempting to get credit to purchase things with cards, just to provide some positive credit references for the near future when I need a home loan or car loan (can't get either, right now). Any suggestions for other cards or other strategies?