We have had a Providian Gold for several years. After Providian didnt get a couple of my payments "posted" in time, they raised my rate to over 28%!! This was at least a couple of years ago. I have talked to them several times and asked them to review my account and drop the rate appropriately. They basically told me to forget it, they don't drop rates. Any body thinking of getting a Providian Credit Card... Don't!!!
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