Aria Visa Card (Providian Bank)

Pros: credit history not important
Cons: slightly higher fees

I started with Providian a few years ago with one of those build your credits, you will automatically be approved for a credit line no matter what just pay this amount. I thought oh what the heck, I had been in a bad car wreck in 1993 and ended up...

Pros: None.
Cons: Customer Service, Deceptive Business Practices.

Out of the many credit cards I have ever used, this one is without a doubt the worst.

I applied for, and received a Aria Platinum Visa card. I went ahead and took advantage of their 0% for the first 3 billing cycle offer. Everything was...

Pros: give credit to those people who can't get it because of past bad credit
Cons: interest rates are high, customer service is bad, fees are too high!

My husband and I needed to jumpstart our credit. We applied online for the Aria card and were approved. With a small credit limit and alot of fees. These fees are horrible and it eats up the small amount of credit you get very quickly. Beware! If...

Pros: NOTHING AT ALL
Cons: DISCRIMINATES, DOES NOT TREAT YOU FAIRLY

There was a display ad on my computer inviting me to apply for an Aria/Providian card. I decided to apply. To my surprise I get a letter stating that quote: our records show that you or someone in my household is already a Providian cardholder. You are...

Pros: A good way to build your credit, Providian Savings has higher interest rates!
Cons: Credit increases are next to impossible to get...

Two years ago, I was approved for an Aria Visa card. I was in the process of rebuilding my credit that I had screwed up in college, so this provided me an unsecured Visa card for me to use, while proving myself to future creditors that I was a good...

Pros: They help people with bad or no credit.
Cons: Higher percentage rates and annual fees.

I have always been skeptical about credit cards. I have gone years without them or any other form of credit. I finally decided to get a card for emergencies and home improvements. When I started applying I was turned down left and right. I have...

Pros: An opportunity to rebuild your credit history
Cons: Their website can be EXTREMELY slow!

I've read several epinions...and I think a lot of these folks have missed the mark. I have HORRIBLE credit, and I was able to get an UNSECURED credit card from ARIA. That's the point! Aria is for folks with BAD credit NOT good credit.
If you...

Pros: 5 points per dollar (if it's true).
Cons: MAJOR BAD VIBES all over.

I only signed up with this card because they claimed you would get "instant rewards" with mypoints.com. I have used the card for 6 months and "instant rewards" is as promised.
I didn't have to put down a deposit on this card...

Pros: Helps you build credit
Cons: Annual fees a bit steep

I've had credit problems because of my divorce. Things were never properly straightened out by my lawyer, so when my ex refused to pay off his debts, I got stuck with them (I've learned not to have joint accounts).

Aria Persona was one of...

Pros: online access to account
Cons: Everything else

My dealings with Aria began about 6 months ago when
they sent me a letter stating that I was pre-approved
for their credit card. For a small $80 "processing fee"
I would get a $500 credit limit. No thanks.

A few...

Pros: none
Cons: charges, charges, charges

When you first apply for a aria card they tell that there will be a minimum fee of $65. After you apply for the card you get your approval back but yet there is another $85 dollar fee. Their line of credit isn't much usually only $250. So now you...

Pros: NICE SOUNDING OFFERS
Cons: THAT IS ALL THEY ARE IS NICE SOUNDING

IN 1998, my husband got an offer from Providian Bank for a visa card. We read the writing....even the fine print in the offer and it appeard to be a fairly good deal....as far as credit cards go(ARE ANY OF THEM REALLY "GOOD DEALS"?) THERE WAS...

Pros: finally get some credit
Cons: if you are not responsible you will be in debt

I have a Providian Visa, and I have not had any problems with them yet. I have had my visa for almost a year. No one else would give me credit! My credit line is only for $1000, but that is perfect for someone just starting out or maybe even lower. I...

Pros: none
Cons: never deal with this company

I have been in business for over 15 years and I am always looking for the lowest Interest Rates. I am very careful on whom I choose, but apparently not careful enough.
Providian Bank sent me a letter to have me switch from my present cards to them...

Pros: a way to get credit when you dont have the $for a security deposit
Cons: very high fees...send in well before due dates to avoid high late fees

Well, they target those of us with bad credit for a reason, because they know they can make a lot of money off of us. The finance charge is 23.99% apr (mine is $19.60 a month for about a $1,000 debt), and there is a monthly $7.95 "credit protection...