I am reporting this not to say not to get a credit card but beware! I was a long time card holder with this company and paid my bill every month without any problems always on time and always more than minimum due. 2 months ago I noticed that my interest rate went from 8% to 27.9% This was a shocker so i called Providian and asked the lady why the interest had gone up. She replied 'you did not pay your payment last month' which i responded back that I had paid it and had the receipt to prove it. She then told me that there wa... read full review »