I have two accounts with Providian. One is so embarrasingly late/behind, that I hate to even write it here on this board. Anyway I called Providian to clarify where I stand on my accounts. Card A: Limit: 1250, overlimit + almost 90 days behind (one partial payment recorded in the last 60 days, I think, in addition to the most recent one to = 2 partial payments in the last 60 days). Card B: Limit: 1000, overlimit + almost 30 days late. The rep extended my due date for this one (ouch, this confession is painful). I make payments online and usually if I am paying one I pay the other. Not sure why I am so uneven with A & B here. Anyway... Apparrently, though, even partial payments do not count when things are this bad (made a small partial payment on each at the end of last week. Now card A account is about to be closed. They said that I can cancel myself tomorrow, which they say will go on my record as such or they will cancel it on Friday (but then that Providian canceled would be on my record). I know any closed account with a balance/lates is horrendous, even if I close it myself. I only have until Wednesday (tomorow) to call and close it, even though I could still call on Thursday, (but not Friday) to pay (I confirmed this with different reps). My cash reserve is frighteningly low and it is not an option to borrow on anything or from anyone. I work agency and just had another shift cancelled (just stating a fact, not an excuse). If I do not have the funds in time will there ever be any hope? Yes, I realize I should/will likely need to wait to board the credit healing boat after all but if anyone has any information for me or if the Doc can tell me what type of self sabotoging illness I have please post. Gosh, friends think I have it 'all together' and I have a good job, in general, that pays well. I am astonished, myself at this "life situation," as Eckhart Tolle puts it. Okay confession over. Any words of wisdom will be like gold.