Complaint / Review
Providian Financial/Providian Visa Card
Ripoff, usury charges for interest and late fees

I am being charged interest at the rate of 23.99%, occassionally 24.99% and a late fee of $ 29.00 if payment is not received on due date.
And, I pay an annual fee of $48.00.

I am assuming these fees are legal, but I am trying to contact the banking commission in my state (NJ) to confirm my assumption.

I am reporting this to make others aware of these outragious interest rates offered by Providian Finanacial.
Joseph
Glendora New Jersey