This is the most nefarious credit card ever. They are the most unethical and should be put out of business.

I paid off the card in full at $1297.39.

The next bill was $25.54 which was a finance charge. I called them. Little did I know I was assessed interest 1 month behind! I called them and then had to pay $10 in addition in order to pay in full and close the card otherwise I would have received another bill.

I could not pay on the internet which takes 2 days to process while the phone does not.

None of this was disclosed or in fine print as Providian sold me to them.

This company should be shut down immediately.

I am going one the better business bureau web site to make a complaint. I suggest others do the same! I can not get ont the SST web site to pay my bill and thats ridiculous!! My account was sold to them by washington banking http://www.bbb.org/complaint.asp

I to am one of the Providian customers that was converted over. My account was not switched until March of this year. I received a new card without any additional information. I had my providian setup with online payments and when I went to check the providian account told me to go to this Youraccountonline.com, so I went there followed directions and got lost. I made a payment on this new site and low and behold the next day when I checked and called the company it was not there. The guys walked me through it and I made my payment. The next month I see a late payment fee, (the payment was made the next day) when I called them I got the same we will investigate thing. So I went on May, June, July WHAM!!! I see my interest rate went up to 32%, so I called and they told me that was because of the late payment in March and my account went over limit in July (once they applied this horrendous rate and that I can kiss my... because they are not going to do anything. Also when it showed that I went over limit 2 days later I made a payment that was 2 times the amount of the minimum due, not to mention I do this twice a month so I am paying 4 times the amount. so Blah blah blah it was in your disclosure statement that we sent out to you, when I told them I never got anything other than the card Shiloh (manager by the way) said she would gladly send me out the disclosure statement. But would not update my account. If anyone wishes to pursue this in a class action suit COUNT ME IN!!!

I paid them off in full and they said that the funds were NSF, I have proof of canceled check front and back, and they will not credit my account and just keep adding all kinds of charges and making calls, day, night and at work... I would like to join that class action suit if someone can put my name in the hat on that... and it was great with Providian but this company is a nightmare...

First my card was sold to this company with out my knowledge. My balances never goes down and they charged a late fee for a past due payment. I scheduled a payment and i do this with all my bills every month like clock work. This company tells me a payment was not scheduled, i didn't an e-mail telling me this and when i tried to access the web page i couldn't get to it. I don't know what kind of crap this company is trying to pull,but i am going to find a way out.