Let me tell you a little about my providian experience.
I had a providian card for about 2 years and one day I decided that I was going to try and get the interest rate lowered. I called customer no service and explained to the rep what I wanted and she laughed so hard that I thought she was going to fall out of her chair right there.
I asked what was so funny and she stated that she couldnt do anything like that and that the "company" decided what my interest rate was to be.
I cancled my card right then and there.
After 2 months went by and I didnt receive a statement I called customer no service and asked where my statements were so that I could pay my bill. The response was one of
total ignorance. It is not providans responsibility to make sure you paid your bill on time. I about died.
I asked for reprints of the statements and then waited another 4 months before I had gotten a bill from some company called Emerge.I called them and asked them what this was all about. They stated that Providian xfered my closed visa account to them and they in turn opened a mastercard account in my name.
I told emerge that they could not do it and the response from customer no service was " yes we can" and they hung up.Now they have a company called NCO Group calling my house and asking my girlfriend and my grandmother if they have any money to send in on this account.
I spend alot of time on the road now and I spazed when I got back to find out that emerge promotes such behavior from their collectors and 3rd party collectors. I think that not being able to contact anyone at emerge is sad.. and if you call providian and ask them if they are affiliated with emerge they say NONONONON.. but everyone at emerge says they are.
Run away from providian.. they are crooks and could care less about you as a card holder..
St. Augustine, Florida