A few weeks ago I posted about an offer for a Providian Gold Card. It only asked for my signature. So...I signed and lo and behold I received my card yesterday. I took the board's advice and called retention. They didn't raise my limit from $1000 but they did waive my annual fee. I think I am going to go through planetfeedback to see if they can do anything about the APR. Although, I don't post often, I do read this board daily and have to say that it is helping me with cleaning up my credit reports.