Providian Visa

By: Anne Durrell

At one time, Providian Visa was perhaps the leading credit card issuer for people with bad credit. While they are no longer issuing credit cards, there are plenty of other options available that mirror many of the advantages offered by the Providian Visa.

The credit card that most accurately matches similar types of benefits and features to the Providian Visa would have to be the First Premier Bank Gold MasterCard Visa.

The Providian Visa card from Providian Bank offers a great low introductory interest rate and can also help you to increase your credit score or even rebuild credit.

While there are plenty of credit cards that offer these same benefits, the Providian Visa offers you the ability to access a free FICO score when you log in to your online account. If you're serious about increasing your credit score, then this is ideal for you as you can check on your progress whenever you want.

Some customers do have the option of transferring a balance from another credit card account and being offered a 0% interest rate offer. Providian Visa make it very clear that by taking advantage of the balance transfer you can access their 0% interest rate.

This rate is only available for balance transfers, but they do have a low APR on purchases, so this could be very handy if you're disciplined enough to only use your card to pay bills and charge purchases.

By keeping track of your repayments and making sure you don't miss any, you could also find that Providian Visa are very generous about raising your credit limit for you without any further questions.

What Providian Visa don't make so clear is that there are balance transfer fees involved when you move your old account's balance to the new account. They also don't make it obvious that there are some hefty cash advance fees.

If you know you're likely to need a cash advance against a credit card, then you should take some time to ask your Providian Visa about the range of fees and charges involved in the cash advance transactions.

For anyone considering rebuilding credit, there are plenty of options and credit card facilities still available to you.

Be sure to always check the terms and conditions on the card account you're applying for. It's also important to read the fine print. If you see anything in the fine print you don't understand, ask your representative to explain it to you before you sign anything.

Providian Visa

providian visa card

Providian Visa

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