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Providian Visa!

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I was just approved for a Providian Visa at $1500.00 credit limit. How is this company? I've been doing some research online and have read some terrible things about them!

I've read that they have purposely delayed online payments to charge late fees, (even though the customers have paid on time!) and have been known to jack interest rates ALL the way up to 30.99%, for no reason at all!

Any comments on this? :(

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