I have been an excellent customer of providian financial for more than 6 years. I have NEVER paid late and have always maintained my record with them. Providian promised me the moon and stars. My visa classic account is not bad with an interest rate of 16.9%, however, my emerge mastercard (previously called aria and getsmart) currently has an interest rate of 29.99%.
I called and was told too bad even though they promised to lower the rate after owning the card for one year with no late payments which I did. Well the interest rate lowering never happened and went up to 29.99%. Anyone who follows providian can see that since their stock price dropped into the toilet, they have been screwing their good customers knowing that whatever they do, the good ones will pay.
I had my credit limit reduced even though I paid for it and they will not return the money paid for the increase. Now, the customer service department is in Bombay, India with people that barely speak english. My only hope is to now contacting a debt service so that they can get my interest rate reduced. If I need to, I will file bankruptcy so that providian gets NOTHING. I intend on sending a leter to all other of my creditors and giving out providians address explaining that providian is the reason why they will be getting a lesser amount or nothing with bankruptcy.
Ron
Akron, Ohio
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