Providian Emerge Credit Card Review

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phantomtoe's Review of Providian Emerge Credit Card

24th Sep 2005

Overall Rating

0 stars
  • Value for money
    0 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    0 stars
Good Points

Absolutely none.


Bad Points

That they exist.


General Comments

My story is like many others...had a card with another company for 9 years and then it was sold to Fleet. Within 7 months I had a brand new card called Providian Emerge Credit Card. They jacked my interest rate up to 29.9% and added a $100 annual fee that put me over the limit gifting them with an over the limit fee.

I transferred my balance to a new card. It is reprehensible that the law allows this kind of gouging of its citizens. The fear of paying their attorney fees and what it will do to our credit rating keeps us from fighting these corporate sleezeballs. We are powerless against the deep pockets of their lobbyists and we are powerless to control what goes on our credit record and they know it.

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Members' Comments onphantomtoe's Review

  • willyg1961 on 8th Nov 2005

    I am so with you concerning this. I experienced a similar situation and on top of that, after having a Providian credit card for a number of years, NEVER late, and ALWAYS paid more than the minimum payment, they had me at 29.9% interest and would not "bow down" to decreasing the interest, so I transferred the balance to a better card that offered -0- APR for 12 months on balance transfers and a generous credit line. Goodbye to these sleezeballs!

  • andromedam31 on 17th Nov 2005

    It isn't right, that's true. I'm in the same boat your in and there's alot of this kind of legal crockery going on in this country that lines the pockets of the "already too rich".