Providian Emerge Credit Card Review

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Tonyewr's Review of Providian Emerge Credit Card

18th Apr 2006

Overall Rating

0 stars
  • Value for money
    0 stars
  • Loyalty scheme
    No
  • Used card for
    0 - 6 Months
  • Customer service
    0 stars
Bad Points

The worst bank on earth


General Comments

Just 1 month after being 18 (I am now 23, 24 in July) I received my first credit card. It was an Emerge visa from Providian. They cancelled the card three months later due to late payments. Except, to my knowledge and according to Equifax, Experian, and Transunion, I have never been late in my life. Now it is 5 years (almost 6) later, and I am still getting a monthly bill for a $1000 credit card that has been closed for five years.

I call them about once a year to see if they would re-open the card, that way it won't be so bad on my credit score, but they just keep saying our reports indicate late payments. When I say "what reports"? they say "Equifax". Well, maybe they should contact Equifax and get the right information, but they won't because they don't care that I can't get a school loan to pay for collage. All they care about is that they get there check every month.

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