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Apply for a Providian VisaŽ Platinum card. 0% APR for 6 months; no annual fee; money-saving discounts; and more. Get a 30-second response! Click for conditions
With Providian VisaŽ Platinum, you can get free online access to your credit score and money-saving discounts, all with no annual fee and 0% APR for 6 mos. Click for conditions.
No Annual Fee
Get a response in 30 seconds
Automatic Credit Line Review
Online Account Access
$0 Liability on unauthorized transactions
Choose your card design
Important Terms & Conditions
When you complete and submit your application, you will be considered for the following account issued by Providian National Bank: Providian VisaŽ Platinum Card. The specific account type you receive, if any, will be based on information you provide and/or information contained in your credit report.
| Annual percentage rate (APR) for purchases | 0% for the first 6 monthly billing periods that your account is open ("Introductory Period"). After that, 9.99% to 19.99%* |
| Other APRs |
Balance Transfer APR: 0% during the
Introductory Period; after that, 9.99% to 19.99%* Cash Advance APR: 23.99% Default APR: Up to the Prime Rate** plus 25.24% or up to 29.99%, whichever is greater, and may vary (see explanation below***) |
| Variable rate information |
Your APRs may vary. Purchase APR: Prime Rate plus 5.24%-15.24%, but not lower than the non Introductory APR for Purchases when your account is opened* Balance Transfer APR: Prime Rate plus 5.24%-15.24%, but not lower than the non-Introductory APR for Balance Transfers when your account is opened* Cash Advance APR: Prime Rate plus 19.24% or 23.99%, which ever is greater. |
| Grace period for purchases | At least 25 days if the New Balance is paid in full by the Payment Due Date. |
| Balance calculation method | Two-Cycle Average Daily Balance (including new purchases) |
| Annual fee | $0 |
| Minimum finance charge | $1 |
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Cash advance fee: Balance transfer fee: Late fee: Overlimit fee: |
3% of the advance ($10 minimum) 3% of each balance transfer ($5 min / $75 max per transfer). $19 if balance is less than $200 $39 if balance is $200 or greater $35 if you exceed your credit line at any time during a billing cycle |
| We may change the APRs, fees, and other terms of your account at any time in accordance with applicable law and the Account Agreement, which we will send you when your account is opened. |
| * Your APRs for Purchases and Balance Transfers (and the margins added to the Prime Rate to determine these APRs) will depend on Providian's evaluation of your application and credit history. The Balance Transfer APR above applies to balance transfers requested in connection with this application. Depending on your credit profile with us and other lenders, you may qualify for additional balance transfer offers in the future. The terms of any future offer will be disclosed to you when the offer is made. |
| ** The Prime Rate used to determine your APRs is the highest Prime Rate published in The Wall Street Journal on the first business day following the 22nd day of the previous calendar month. Variable rates are current as of October 2004. |
| ***Default APR: Each time you default on this or any Providian account because you fail to make at least the minimum payment when due, exceed your credit limit, make a payment to us that is not honored by your bank, or are reported as delinquent on an account with any other creditor, we may increase the APRs on your account up to the maximum Default APR. Factors considered in determining the Default APR include the frequency and severity of account defaults and other indications of account usage and risk on Providian or other credit accounts. |
| Cash Line: 20% of your total credit line will be available for cash advances. The total amount available for cash advances will be shown on your statement. |
| Additional Payment Information: Payments will be applied first to finance charges and fees, then to the Balance Category with the lowest APR until it has been fully paid, then to the Balance Category with the next-lowest APR until it has been fully paid, and so on, until all Balance Categories have been paid. Examples of 'Balance Categories' include purchases and cash advances. |
| The information above is accurate as of October 29, 2004 and is subject to change. For information after this date, please visit http://www.providian.com or write to Providian, Attn: Providian Visa Platinum, P.O. Box 7200, San Francisco, CA 94120-9851 |
| Second card information: We may provide information about this account to consumer reporting agencies or other agencies in the second cardholder’s name. This is not a joint account. If you allow the second cardholder to use your account, you will be liable for all their transactions. |
| Credit score access: We generally display your FICOŽ score online and update it from time to time. Occasionally, however, we may not be able to display or update your score due to systems or other constraints. |
| Discounts: In order for you to receive the money-saving discounts, you must satisfy our credit requirements and your account must be open, not past due, and not overlimit. |
| Important information about procedures for opening a new account |
| To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. |
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| Application Terms and Conditions |
| By submitting your application, you acknowledge and agree that: (1) you are at least 18 years old; (2) all information you provide is accurate and complete; (3) your account will be used only for personal, family, or household purposes; (4) Providian National Bank ("we") may check your credit and the information you provide; (5) we reserve the right to change the terms of your Account, and (6) we may request credit reports in connection with this application and to review your account. |
| Upon request, we will tell you if we obtained credit reports and the name and address of any consumer reporting agencies that provided the reports. We may report information about your account (including in a second cardholder's name) to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. When you use the account, you agree to be bound by the Account Agreement. The Account Agreement provides that disputes relating to the Account are subject to binding arbitration. There are additional terms describing the features and benefits of your account, which will be sent to you when you become a cardholder. |
| A married applicant may apply for credit in his or her name. An account may not be available to you if you or a member or your household already has a credit account with us, or if you have applied in the last 90 days. |
| New York Residents: New York residents may contact the New York state banking department to obtain a comparative listing of credit card rates, fees, and grace periods. Call 1-800-518-8866. |
| Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual request. The Ohio civil rights commission administers compliance with this law. |
| Wisconsin Residents: No provision of a marital property agreement, a unilateral statement, or a court decree adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Married applicants must furnish the applicant's Social Security number and the name and address of their spouse to Providian at P.O. Box 660659, Dallas, TX 75266-0509 within 15 days from the date you respond to this offer. |
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Providian National Bank MEMBER FDIC |