32 Reviews for Providian Emerge Credit Card Reviews

sea81's review has yet to be rated - Be the first!
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Started with Providian at 17percent interest, was changed to emerge who promptly raised interest to 29.97 percent. I have never been late or over limit and after 3 years they refuse to lower the interest. I can only afford to pay 100 dollars a month and with interest of 75 dollars a month, it will ...

lismic's review has yet to be rated - Be the first!
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I had a Providian account that I closed and paid off, around the time of the switch several years ago. As of November 2005 I have Emerge on my credit report showing a collection account in the amount of $1325. I have no idea where that came from, and I am still trying to get documents or any infor ...

chrismember1's review has yet to be rated - Be the first!
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I had a Providian credit card that was sold to E-merge. It has been a total disaster since. No web site. Customer service sucks.

With a $2,000.00 balance after 6 years, I am still trying to pay this off, with something like 24% APR, plus an $89.00 annual fee ... both aspects that were NEVER part ...

cinnfullone's review has yet to be rated - Be the first!
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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, a ...

quantativeimprovement's review has yet to be rated - Be the first!
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Upon death, they require impossible documentation beyond the death certificate. After submitting documentation they tell you that insurance is "accidental death", and if the applicant was not killed in an "accident" it is not considered payable. There is nothing of this statement in their applicatio ...

robertgreen's review has yet to be rated - Be the first!
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Providian Emerge are pathetic as far as credit card companies go. When it was Providian it was fine, but then when Emerge took over, they closed my account (it was in good standing), raised the rate to over 20%, and then when I called, they said there was nothing they could do about it.

YouHaveToLaugh's review has yet to be rated - Be the first!
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Like mostly everyone here, I originally had a Providian credit card account. It was with a $500 credit limit at 14% interest in 2000. After 2 months I started receiving phone calls and letters about special offers that would increase my credit limit. Of course, I accepted these offers. Now my credit ...

dogged's review has yet to be rated - Be the first!
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Providian Emerge charged me for an annual credit card fee that they never disclosed! They told me that they would take off the charge for the annual fee and cancel the card. They cancelled the card, but they left the charge on there!! Now I'm being charged a late fee!

This company has no scruple ...

Tonyewr's review has yet to be rated - Be the first!
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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. ...

richdude's review has yet to be rated - Be the first!
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I was with Providian for a good amount of time. Just starting my credit I was just happy to get a card. I, as many of the reviews here, got hit with the over limit fees for the extra programs they sell. They tell you they will increase your credit line. All of a sudden I am at 30% interest. I was to ...