I telephoned to get the $99 deposit back after 12 months. The gold card upgrade (preapproved) arrived in the mail 18 months after my B.K. was approved. It had a $99 processing fee attached. I asked for a supervisor and got the fee waived. Always be polite and complimentary when you are on the phone. Remember that contrary to what you might hear sometimes a B.K. improves your likelihood of getting credit because you cannot do another Chapter 7 B.K. for 6 years. and you had to go to court to explain to a B.K. judge why you had to B.K. in the first place. By the way, I am ignoring preapproved offer(s) from Providian for $3,000 gold cards. I don't want the additional credit and don't like the monthly fees. My FICO score has improved from 530 in March 1999 to 641 in May 2000. I saw the scores when I was getting my Auto loan on my used Mercedes and a credit Union VISA card. If you have any questions just post.