I called Providian and ask to wavied the annual fee which is $59. Lady gave me some crap about signing an agreement and it couldn't be wavied. Ok. I thought. I called back 5 minutes later and ask that my card be cancelled. Was sent to another department and nice lady ask me why i want to closed account. Told her i dont like the annual fee and she said she will wavied it! Also, added bonus lowered my APR! Then she mentions i can get gold upgrade. Pretend i did not know that but i did ($99 fee), and she upgrade for FREE. Really works..I had NO intention of closing account as my only CC.