The Providential Providian Credit Card

By: Anne Durrell

Just when you are searching for a credit card that charges no annual fee, here comes a Providian credit card. Quite providential, right? Still there is more to this card that meets the eye.

Not Just a Credit Card for Troubled Credit

Are you still on the lookout for a sensible credit card that says yes to customers with blighted credit scores? Perhaps you have not heard that this credit card offers people like you the chance to get a credit card. Now owned by Washington Mutual, a Providian credit card is a respected in many quarters.

A Providian credit card works with several partner cards the likes of Human Rights Campaign Visa, HSN Rewards Visa, Democratic Party Visa, and North American Membership Group Visa. As a Providian card holder, you enjoy the freebies and discount offers as well as the prospect to support groups backed up by the Human Rights Campaign Visa.

Rewards are also passed on to cardholders - cash back, restaurant and store coupons, or redeemable points for merchandise or discounted travel. Here's more, if you pay your bills on time, interest rates on your Providian credit card will be reduced.

Do you need a gift for someone special? You can buy Providian gift cards and these can be used in outlets that accept Visa. A gift card charges a nominal fee of $5.95 added to the cost of the gift. Unlike the traditional gift cards from stores, the gift card can be used in several Visa participating outlets.

The Providian Credit Cards

There are two Providian cards, the basic Providian Card, Providian Visa Platinum Card, Providian Real Rewards, and Providian Cash Rewards. The first two have no set up fees, no annual charges, and their ongoing APR is set at 9.99%. The Providian Visa Platinum Card provides American consumers access to their FICO credit scores.

The Providian credit card that gives great rewards in the form of airline travel and restaurant discount cards is the Providian Real Rewards. This is automatically enrolled when you sign up for a Providian credit card.

Yes as a new Providian Card holder, you are entitled to the 0% interest rate on purchase made on your card and there's the 12 month period to enjoy the advantage. If you have the Platinum Providian credit card, you can be assured of more benefits like instant credit card discounts and access to your FICO credit score not just access to your transactions.

Just keep your accounts up-to-date to earn a better credit rating and all should be well with your Providian card. Wouldn't you take the chance now with a Providian credit card? Make sure though you understand the fine print.

Providian Credit Card

providian credit card application

The Providential Providian Credit Card

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