My wife lost her job and couldn't find work, so our bills got behind for awhile. I so this offer come in the mail from Providian National Bank (now selling it off to another bank in Omaha) 14.99% to rebuild your credit. So, I applied and got accepted.
In 6 months or so they raised the rate to 19.99%, I called and asked why because I never missed a payment ever (even to this day with them, I had them for 3or 4 years now), they were selling their account to another service was the outcome.
So, I basically maxed out the card after a year and called them in middle of the year. They told me I was a "great customer", and they didn't lose me but I just missed the grace period to lower my rate (it was running from Jan. To June). So, I called back the following year in January and they had no such program. They were very rude on the phone and when I got upset and told them I was going to the Attorney Generals Office, the woman on the phone really never cared. I did file a report but never followed up on it.
So, guess what I got another letter stating that they were selling all their accounts again and the rates were going to be 29.99%. (and have been paying that). It doesnt end I just got another letter from them stating that they are selling their account again and now I have to pay 31.99%.
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