Providian Practices
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Posted by Marge (209.239.213.168) on November 29, 2002 at 23:01:05:
I have two cards with providian. a visa and a mastercard. both cards were at 15 %. I always paid on time and almost always paid more than the minimum monthly payment. Several months ago, they raised the interested rate on my mastercard to 30%. they gave me a choice to opt out to and my rate would remain the same. I decided to opt out which effectively closes your account. Several months later they raised the interest on my visa to 30%. About one month ago, i received a mastercard from Card Services. I had no idea who they were. Then i found out that providian liquidated my account - whatever that means in their world. this new card with a new card number is issued by provdian (small print on the back. My question is what does all mean and how does it affect my rating with the credit agencies. i have no idea why my account was liquidated.
finally, would like some assistance in getting card services aka providian to lower my interest rates. i would appreciate any help or advice you could impart.
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