Providian Emerge Credit Card Review

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cinnfullone's Review of Providian Emerge Credit Card

5th Oct 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

Terrible customer service...


General Comments

I received a Providian credit card in 1996. I used it frequently, and I never had any problems. In 1999 I received an "Emerge Credit card", from the company who were replacing Providian. I received only the "new card" in the mail, never anything else. I had a $2,000 credit line with Providian, and my balance was $1000. I have "never" used this card, but when I was making my payments, I noticed that I was receiving an "over limit" fee, which are not cheap. I also noticed that my interest rate jumped to 29%, which I would never have agreed to. Long story short, it is now 2006, I have made numerous payments to this account, but with the balance never coming down. They were always adding another "fee". Well, it is now 2006, and my balance is now $2,100, without ever using the card. I have repaid over and over the original balance which stemmed from Providian. I've contacted their customer service to complain, but you're speaking into deaf ears.

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