In 1999 I was offered a credit card from Providian (Visa Classic), I accepted it, made payments on time, credit limit was increased several times. It bacame Visa Gold, it's still in good standing and I am making payments in a timely manner.

In 2000 I was offered another card from Providian (ARIA), I accepted it, made payments on time, credit limit was increased several times.It became Visa GetSmart. For nearly 2 years, I was making payments in a timely manner.

In October 2002, I received a letter from Providan Bank that my Visa GetSmart was closed and sold out ot emerge Master Card.

I requested a written reason for closing my accoutn. I got it and it said among other reasons, that I had a 'serious delinquecy' on my account, which I totally rejected.

It's been back and forth between 'Emerge' and my self since January 2003, I was requesting my account to be reopened, but no positive response. They want to close my account (which has always been in very good standing)and still charge my 29.99% APR.

I complained to the office of 'The Attorny General of The State of Kansas'. It took nearly 6 weeks and 3 letters from them to have 'Emerge' respond, a reponce that took me exactly were we started (Unfairly closing of my accoutn and high APR).

I keep getting letters from 'Emerge' threatning me with further legal actions unless I pay.

Now, I had my credit damaged, and I'm beign threatened.

This is a perfect example of big business and credit card companies taking advantage of helpless consumers.

Joe
Topeka, Kansas
U.S.A.

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