Account sold by Providian to the CROOKS at yourcard account... I made payments online through my bank in plenty of time before the due dates, and then find out when I get my bill that they didnt get the payment till a week later, somehow, and have charged late fees and increased my interest rate to 32%! Spent a great deal of time with account managers and sent e-mails with no mediation from the corporation... As soon as I am able to transfer this balance, I will... Unfortunately I have to pay this outrageous interest rate for another 6 months or so,until I am able to get a home equity loan... This should be ILLEGAL...