Providian National ripoff denies credit solely based on former roomate's credit hisory San Francisco California

why have a credit card??? so you can be in more debt.....

I work for this sorry company and I dont have any credit cards, and yes they do rip people off thank god I'm getting laid off.
Yes they are outsourcing to Bangalore, India

use this rule if I can't buy it today in cash, I dont need it ( layaway if you are a major shopper)

keep $1000 in the savings account at all times for those boo boo's in life

contrary to beleive people do not need credit to buy a house- find a realtor that does their own underwriting.

me in San Antonio

Marc--You should be thanking your lucky stars that Providian DIDN'T sign you up. NOTHING good can come from having this credit card. Not only will they NOT boost your credit rating as they claim, they will take HUNDREDS of dollars from you that they have no ethical right to have. They have been side-stepping laws governing the credit industry for years and it will all blow up in their faces AGAIN. Yes, this company had a MAJOR class action lawsuit about 3 years ago for unethical practices, and they are right back at it again. Try another credit card company...whoever you get CANNOT be as nasty as these folks.

I have a problem with Providian and disputed my account balance. They admitted there was an error and corrected it. Although it took over a year and a letter from my attorney to get copies of missing sattements.

Now because my account was in arrears while waiting my mother was refused a credit card because of "unsatisfactory relationship with a member of the household". She is retired and pays rent for my spare bedroom (her choice, not mine), she has good credit and her own income.