I have a Providian Gold card. I have been a customer for 2 years. My limit is 5.5k. They treated me with respect! (LOL). Who would give a card to someone with 18 charge-offs in his/her report. Well they gave me one and the limit increased from 500 to 5.5k in less than 2 years. Also the interest rate has reduced from 23.99 to 16.9 with a grace period. This is not a bad card after all. I am not getting rid of Providian for a Citibank or another so called Prime card. As I learned from this board you can negotiate your card interest/available credit and turn it into a prime card. This is not a game!. Get a card or two, pay your bills on time, negotiate your limits with retention. Stay loyal to a credit card company who has given you a chance! If you keep applying for cards just because it is exciting to get it in the mail, you will be in the same situation you were before (too many bills to pay leading to bad credit). This is not a game!!!!!