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Commentaries |
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Credit Card Commentaries |
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Providian Platinum Visa® Card
Issued by Providian |
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| Total Posts: 144 |
Average Rating:
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Category: Regular |
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Showing 1 - 10 of a total of 144 Commentaries |
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-110 | 111-120 | 121-130 | 131-140 | 141-144 |
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| "ESTABLISH CREDIT" |
| I'M STARTING ALL OVER AGAIN AND PUTTING EVERYTHING IN PERPECTIVE |
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| Most attractive feature: iT IS NOT A SECURED CREDIT CARD |
| Least attractive feature: FEES THAT ARE CHARGED TO YOUR ACCOUNT |
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| Posted by: loren lamont |
| Date: 3/23/2010 |
Recommend?  |
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This person does recommend this card.
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| "Bad Bad Providian" |
| The only reason I keep this card now is because it lists my FICO scores on the website, and I like to see that. I have paid my balances IN FULL every month, on time or early. Even so, this card company raises my rate every year! RAISES my rate for being a good customer! Last fall, when my rate was 26%, I called the company to request they lower my rate, since my other credit card company gives me a rate of 14% ! The man on the phone laughed at me, then he said: we do not lower rates at a customer's request. Then he said: since you pay your bill in full every month, why do you care what the balance is ? !!!! I told him I would close my account if they did not lower my rate, and he said: You go ahead and do that. Well, I kept the account because I have been watching my FICO score (which, yahoo, has been going fine). Since that phone call to customer service, Providian has raised my rate to 31% !!! How's that !!?? This is a TERRIBLE credit card company. I only keep this card to watch my monthly FICO score. I use the card once every three months now (since that stupid conversation), and only charge something for a few dollars. Customer Service is attrocious; Rates are unscrupulously high for no reason. |
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| Most attractive feature: Lists your FICO Scores at website |
| Least attractive feature: 30% + Percentage Rate !!! Obnoxious Customer Service! |
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| Posted by: Suzanna |
| Date: 3/7/2007 |
Recommend?  |
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This person does not recommend this card.
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| "Providian Platinum Visa " |
| I don't know about the rest of you, but I have never been charged 1 cent of interest on this card for 2 years, no matter what the balance has been. Never seen anything like it, ever. Gotta love it. |
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| Most attractive feature: No interest on regular purchaces |
| Least attractive feature: Not knowing when they will start charging interest on regular purchases |
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| Posted by: Tom |
| Date: 7/14/2006 |
| Recommend? |
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This person does recommend this card.
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| "I was sold out" |
In Feb. I recieved new cards from SST replacing my
Providian. To which I had been paying 5 to 10 times
the minn.payment 2to 3 weeks before payment was due and then I get this done to me.From what I can find
they sold me out to a lower class company when I called SST for an explanation I got this was just a normal business transaction |
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| Most attractive feature: was fico score on the site and balance transfers |
| Least attractive feature: sold |
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| Posted by: Steve |
| Date: 3/22/2006 |
| Recommend? |
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This person does not recommend this card.
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| "Interest rates" |
| First, the good stuff...Providian has a very nicely laid out website. Easy to understand and convenient for making payments. Customer service was polite, and prompt response. Credit limit is quite good. However, interest rates went to a horrific 30%!!!! What is that about? I've never been late with a payment, nor have I gone over my limit, and I've paid well over the minimum payment due, yet they raised my rate to such a height that I decided to pay off the card. I'll hold onto it for now, and see if they offer a better rate to entice me to use it, but I won't hold my breath. I even contacted them to question the rate increase, and got nowhere. Such a pity being as they have so many other redeeming qualities, but 30%....REALLY!!! Am I dealing with loan sharks or what here? Beware... |
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| Most attractive feature: Web site is very user friendly and offers most recent FICO scores. |
| Least attractive feature: interest rate is absolutely horrible!!! |
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| Posted by: VL |
| Date: 3/8/2006 |
| Recommend? |
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This person does recommend this card.
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| "What's in Your Wallet???" |
| Yeah I had a Capital One Credit Card that was charging me a 19.98% Apr and no benefits until Providian offered me a 6.9% Apr and then Capital One started offering me the perks two and a half years later. Then, I asked Capital One if I could have them drop my Apr, I told them what Providian was offering and they snickered and said they could raise my credit limit and I declined. Providian has a wonderful and understandable website. It is easy to use and never costs me anything. They also show me a sneak peak of my FICO Credit score. It Rocks. Their customer service is also very nice. I am not an idiot by any means, but I was having a hard time understanding something and a very nice, curtious and professional lady stayed on the phone and explained it to me until I could understand it. Credit can be so confusing, but she was great in helping me. Thank God for this Credit Card. |
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| Most attractive feature: Low and fixed APR, Customer Service |
| Least attractive feature: None |
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| Posted by: Jessica |
| Date: 2/16/2006 |
| Recommend? |
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This person does recommend this card.
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| "TRIED TO CLOSE ACCOUNT BECAUSE OF LATE STATMENT" |
| I CALLED CST/SRVC AND WANTED TO CLOSE ACCOUNT,I WAS RAILROADED INTO STAYING,APOLOGY FOR LATE STATMENT ARIVAL RECIVED IN MAIL AND CHARGES WERE CORECTED! BEFORE I USED THE CARD AGAIN, I CALLED BECAUSE I GOT SOME BALANCE CHECK'S(REASON FOR FIRST ATEMPT TO CANCEL) I WAS TOLD THE CHECKS WERE TO BE USED AS I WOULD USE MY OWN,WERE TOLD THEY WERE FOR ONLY THE CASH ADVANCE? WHAT DO I PAY OFF WITH $800, THAT DREAM VACATION? THE NEW ADDITION TO MY HOUSE. THE SECOND TIME I GOT NURSE CROTCH AS MY ADVISOR, SHE CANCELED IT ON THE SPOT, THE CHECK HAD BEEN SENT, TWO MONTHS LATER I GET A LATE FEE FOR THE LATE FEE THAT WAS ADJUSTED IN THE APOLOGY LETTER! I HAVE CONTACTED THE F.T.C. AND AM WAITING FO REPLY. I CANT GET ON THE CUSTOMER SERVICE E-MAIL, THEY TRUST THE US MAIL BUT NOT THEIR CUSTOMERS WITH COMPLAINTS YOU NEED A COMBINATION, I DID NOT GET IT JUST BOUNCY CHECKS... |
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| Most attractive feature: GOOD PERSENTAGE RATE |
| Least attractive feature: MISLEADING STAFF MEMBERS |
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| Posted by: EMIL'S- E-MAIL |
| Date: 11/28/2005 |
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This person does not recommend this card.
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| "Good" |
| Yes I would recommend this card. |
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| Most attractive feature: Fast |
| Least attractive feature: None |
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| Posted by: Ronald |
| Date: 9/3/2005 |
| Recommend? |
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This person does not recommend this card.
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| "So Far, So Good" |
| I've had this card for a year and a half. Providian was the first credit card provider to take a chance on me, and I am grateful. Reading the other reviews carefully reveals that most of the dissatisfied customers missed payments. Providian is very up-front about its' penalties, but you have to read the literature. Using Providian's free FICO score access has allowed me to understand and build my credit score, so now I can begin to think of someday owning a home. I do find the exposure to usurious interest rates a little disconcerting, but that just means that I'll have to be very responsible with this tool that can be used to build credit or mire me in debt, depending on my conduct. Also the interest rate of 7.9% and no annual fee is attractive. Bottom Line- they helped me out when I needed it. |
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| Most attractive feature: They took a chance on me when I needed it |
| Least attractive feature: If you stumble- watch out! |
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| Posted by: Charle |
| Date: 6/19/2005 |
| Recommend? |
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This person does recommend this card.
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| "Less than acceptable." |
I had this card for several years and I was unhappy with the fees and interest rate that they charged. I like the credit limit, and the online account access was nicely laid out.
I recently lost my wallet and tried to cancel this card and have a new one issued. This was two months ago. I have called and spoken to their outsourced customer service department 3 times. I still don't have a new card and I have no idea whether the card was ever actually cancelled. I plan to cancel my card for good in writing.
I have credit cards from several companies and I had to talk to all of them because of the loss of my wallet. I think overall, my experience was best with Capital One. However, I would recommend almost any other credit card company over this one. |
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| Most attractive feature: Free FICO score. High limits. |
| Least attractive feature: Crazy fees and interest rates. Outsourced customer service. |
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| Posted by: Deborah |
| Date: 3/21/2005 |
| Recommend? |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 144 Commentaries
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-110 | 111-120 | 121-130 | 131-140 | 141-144
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