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Discussion in 'Credit Talk' started by LoFico, May 26, 2001.
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Lo Fico, I'm doing a similar thing via Planetfeedback with Providian and I'll let you know my status (if I hear from everyone). I applied for the new getsmart card (already have an Aria) to which I was "invited" and they gave me the getsmart version of the Aria card I already have, $500 limit, $89 annual fee, 23.99% APR and NO grace period. I wrote them via PFB to say how pissed I was that I've a great relationship with them for almost two years, I always pay on time, I keep a balance, my credit limit os over $5000 and shouldn't I qualify for a little more than the crappy classic getsmart card? I said I wanted a platinum card. They extended me that much credit ($5000) on the Aria Persona, why not in the form of a platinum card. I've been told by a rep that I should be reaping the benefits of a 9.9% APR, no annual fee and a 25-day grace period due to my excellent history with Providian, but because I already had a Persona card, I was locked into it. How funny that when I apply for a getsmart card, I get the exact same deal. So I wrote them about it. Will keep you updated...
What was your cl when you first got the persona card? How was your credit at the time. I'm hoping for an unsecured card with them. I had some good success with Cap One last week and just want to stay on a roll till I have all the cards I need. If I have to go the secured route, I will. Do you have any experience in that area? Thanks for your help.
My credit was pretty crappy when I got the card, so I was happy to get the initial $500 limit regardless of the $89 annual fee. The four-month teaser rate of 0% APR was quite ok too. Capital One is also a good one to go with. I have a charge-off with them and they approved me for a partially secured card. If I were you, I wouldn't dare to go secured. It's a waste. Try Capital One secured...(even though it's not really) you can even apply online...
You'll probably get what most of us get, either $49 or $99 deposit for a $500 limit, and a fixed rate of 19.6%. It's not that bad; you're not totally secured, your money earns great interest (mine earns 3% which in this current market, isn't all bad), and I've been told that after a year you will be reassessed for an unsecured card and a better interest rate. I hit the 1 year mark with mine next month so I can only hope. Besides, Capital One has Mr. Miller, so it can't be bad. Try it. Good luck!