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by salamisalami , Oct 15 '01
Pros: Absolutely Nothing
Cons: Cons? Yes, they're cons
Too bad Epinions doesn't allow zero stars because this company deserves it.
I still remember when I signed up for my Providian Visa. I got an unsolicited promotion from them in the mail. What caught my eye wasn't the no-annual fee or the...
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by suncloud , Aug 21 '00
Pros: good customer service, lenient unsecured credit lending policies
Cons: annual fee, higher than normal interest rates
I recieved the pre-approved application in the mail with an annual fee and a rather high interest rate of 22%. I was glad to get a card and decided that a $59 annual fee would be about the same as the checks I was bouncing before payday (yikes!).
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by dodinger , Jun 10 '00
Pros: line increases,earn credit
Cons: finance charges,fees
I applied for the providian visa card in october of 1999.I was approved of course.
They sent me my card which had a limit of five hundred dollars,about four months later they increased me to seven hundred and fifty dollars now i have a limit...
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by kiskopop21 , Jan 04 '01
Pros: none
Cons: high a.p.r
This credit card was created to trap young people just starting to build there credit and people who have already destroyed their credit and are trying to repair it.
I was 18 years old when I received what I thought to be an incredible offer,...
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by jlava73 , Jul 11 '01
Pros: Easy Payment options, Credit rebuilding, Gradual credit increases
Cons: Interest Rate Jack-up by State you live in, No Grace Periods,
Extraordinarily High Interest Rate!
I decided to update this review because in spite of being a customer for more than 4 years there are some things about this card that perturb me. What I like about this card is: It is true that when I opened the account my credit ...
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by CHughett , May 29 '00
Pros: Large credit line
Cons: High finance charges
I applied for a Providian Visa Classic card and was approved. I was young and very surprised when I got a $1000 credit limit. Then after a couple months I got $500 more. And increases since then. They check you account standing often and send you...
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by msfoxxee , Dec 07 '00
Pros: Great to establish credit
Cons: too many purchasing offers
I opened my Providian Visa account in 1998. I had filed bankruptcy in 1997. My husband had been out of work for several months prior to the bankruptcy. Our credit was terrible. My husband and I separated early in 1998. A couple of months after the...
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by chuck74 , May 15 '01
Pros: great credit line
Cons: fees
Hello everyone,
I actually got my gold card about 3 years ago and have had no problems. I do not use it that much but they consistently have been good about line increases and any fees I just called and told them what my other cards could do...
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by Pendula , Sep 07 '00
Pros: Easy to obtain
Cons: Lots of hoops and poor customer service, HIGH interes rate
I was watching tv one evening when a commercial came on promising a credit card to almost anyone who applied. And it wasn't secured. I thanked the gods of credit and dialed. Within 10 minutes I had been approved and in 4 weeks I sent in my...
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by fuentes72 , Jan 21 '01
Pros: Providian gives you good credit line increases and they do it fast!!!!
Cons: no grace period, high APR, high annual fee
I applied online in July of 2000 and got instantly approved with a $1000 credit line. My APR is 23.9 % but I really don't care as I don't plan on carrying a balance too long. If you read the disclosure of this visa offer it will tell you that your...
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by carexpert77 , Aug 08 '02
Pros: none
Cons: 27% interest rate, so many fees I can't believe it
Providian decided that due to some bounced checks with them they were no longer going to accept checks from me. I said fine. They raised my interest rate so high that my card balance suddently sckyrocketed. How did my balance get so high is what I...
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by sbocook , Oct 22 '02
Pros: Did give me credit when others would not
Cons: The card itself
I have been a very good customer for a year and a half. I originally signed up for this card when I was rebuilding my credit. At first I got the APR hike letter. I couldn't believe they were raising the interest rate to 29%. I called and asked if I had...
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by catsnvegas , Sep 19 '05
Pros: There is not 1 pro I could possible find with using this horrible horrible card.
Cons: Lowers credit limits with no justification, high interest rates, poor customer service
After having this Providian Platinum card for several years and after currently paying almost $2000.00 to pay it off, Providian in all it's "wisdom" decided to lower our credit line to $250.00. Now I could see that if we were consistently over our ...
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by shayshay1 , Jun 27 '02
Pros: Gave me credit when my credit was poor.
Cons: Now that my credit is good, they continue to rip me off.
The attached article explains Providian's interest rate hikes. My providian visa card went from 16.99% to 23.99% to 29.99% in about four months. When I called to inquire, I was told that it was because they reviewed my account. But that was not true...
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by thedominio , Dec 29 '02
Pros: NONE
Cons: THIEVES,BAD BUSINESS PEOPLE,SUPER HIGH APR'S
Providian Bank will lure you in and give it all to you in the beginning, A low APR waive your annual fee if any, and give credit to just about anyone with good or bad credit rating's. Then after about 3 years they will really show you what they are all...
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