Providian is the scourge of the earth. Not only do they offer secured creditcards. They offer them w/ a $25.00 processing fee. and want to 'hold' $500.00 dollars. Read the fine print and they use every trick in the book to weasle the $ out of you.I sent in $25.00, changed my mind and that was the last I ever saw of my 25 clams. The interest rate sucks. If your bank knows you they are willing to help you establish credit. My credit union did and my interest rate is 10.9% a far cry from secured at 21%Thanks for allowing my rant. Hope this helps somebody somewhere.
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