Visa Classic (Providian Bank)

Pros: none
Cons: very good at pretending to be a reputable company

We have been using web billpay to send Providian our payments, and they have been accepting them for 6 months, then one day I look in the mail and find one returned. After calling, they said it was because our account number was not on the check. "But you accepted all of our other payments", I noted. Didn't matter, no one with any brain mass could talk with me. They charged us $45 for a 'missed payment' and another $15 finance charge. They stated that our account number was on the previous checks while our bank tells us otherwise. With a husband in the military and four children, I don't have time to stay on the phone all day waiting to speak to someone with any type of intelligence at Providian. My advice, if you are banking with them now, cut up your card before they screw you. If you are not, look elsewhere.

Pros: They have absolutely no Pros. zilch.
Cons: Really bad policies towards customers. treat customers badly. Customer service is very unhelpful too.

Hi

I just canceled my credit card with them. I did not receive my credit card bill and they put a lock on my account because it was overdue.

No reminders. when I called they said this was company policy and did not know what the industry standard in this regard was.

Very unhelpful customer service.

I have now been on the phone trying to get through to customer service to pay my bill for the past 45 minutes and keep getting the standard "Thank you for your patience...."

All in all, malevolent policies towards customers and sucky customer service.

Hope this saves some people the aggravation that I have had to go through with these guys