Complaint Review: Providian

Providian is evil and exploits people with a history of credit problems with loanshark tactics. I was a victim of identiy theft 6 years ago and it severely affected my credit.

I paid my credit card bill of in its entirety 3 days ago except for 16 bucks I somehow missed, which they want to charge me 9.95 to take a payment on, since I've went over my allowed 3 payments in one month.)

They are currently 'holding my payment' of 979.00 for 2 weeks. Why I don't know. They have never held one before.

Today I get a letter that says they are increasing my apr of 28.99%, probably because earlier this year I was late with a payment or two after losing my job.

These people have made a ton off of me. When I was struggling close to my limit they would dump a late charge on me then charge me outrageous over the limit fees and I've never seen a grace period from them, even if I paid my bill the same day I bought something.

They go up on their annual rates and their interest. Well, I think this letter was sent out before I had paid mine off, or perhaps about the same time and they probably thought since I had a big balance they would stick it to me good.

I'd be ashamed to work there. This is ridiculous.

They sign you up for stuff you don't want and waste your time having to call people because you didn't OPT out of something they decided to put you in.

The telemarketers are always calling you trying to sell you something to go on your providian card to the point of ad naseaum.

I've told them to cancel my card. Now watch them find some reason not to do it.

Kristi
Rome, Georgia