Re: Providian raised APR to 29.99!!

Posted by Charli A. (152.163.189.170) on November 14, 2002 at 18:23:18:

In Reply to: Re: Providian raised APR to 29.99!! posted by Robert M on June 21, 2002 at 05:02:25:

Providian did the same to me, I paid my balance off and now they are trying to get me for a $35.00 late fee (the payoff was one day late)plus an additional FC-I paid what was printed on my statement as well as online. My question is-what is the maxiumum APR allowed by law in CA & NH-Providian says to write to CA with problems but your bill payment is sent to NH. I am from NY, the maximum APR allowed by law is 24.99% and it is illegal to charge FC on previous FC's or late fees-both of which Providian does. When I questioned them on it they said after 30 days the unpaid FC and fees became part of my balance!

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