Okay so I took the credit card offer I got a few months ago per the recommendations I got here on stripperweb....well I have 19% interest on this card(providian). I got a credit card offer from capital one yesterday for a credit card with the same credit limit as my providian one but with 13.9% interest. I called Providian to tell them of the offer and see if they could either match or simply lower my current interest rate to compete with capital one. (my mother in law said she had done this). Providian said no. So now I'm thinking of getting the capital one card and transferring my providian balance and closing that account.
What do you think- good idea? bad idea? will this affect my credit history? is capital one better than providian?
Sorry - it's obvious that credit stuff really isn't my area!![]()



well I have 19% interest on this card(providian). I got a credit card offer from capital one yesterday for a credit card with the same credit limit as my providian one but with 13.9% interest. I called Providian to tell them of the offer and see if they could either match or simply lower my current interest rate to compete with capital one. (my mother in law said she had done this). Providian said no. So now I'm thinking of getting the capital one card and transferring my providian balance and closing that account.
- good idea? bad idea? will this affect my credit history? is capital one better than providian?
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