PROVIDIAN NATIONAL BANK RIPOFF FRAUDULENT BILLING UNPROFESSIONAL CUSTOMER SERVICE PERSONNEL TILTON New Hampshire

Did a balance transfer from one credit card with a higher APR to a Providian, new account card, with a fixed APR of 0% until July 2004. Like all other credit cards, there is a minimum transfer charge of $5.00 and a maximum of $50.00.

But this bank is charging me a finance charge under standard purchase at 12.99% for my payment of $50.00 for the transfer. I have already paid them for the transfer, so how can they charge me with an interest on my one time payment?

Brian
PHILADELPHIA, Pennsylvania
U.S.A.