minxgill,You wrote, FWIW, I have had great customer service w/MBNA but could not even get Providian to report an account closed that was never even used. I got it and didn't like the terms, so called to cancel immediately. It took providian 5 years to report this account as closed, though I closed it the day i received the terms.Hey! Me too! I've written about my Providian experience on this board. Providian reopened my account on more than one occasion. I suspect they did this to improve their accounts-in-good-standing ratio for their investors; but I can't prove it. Given that I've not heard many similar stories I'd begun to doubt my conclusion; but your experience sounds too similar too my own to be a coincidence.- Joel
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