Well, got my income tax refund the other day. I wanted so badly to blow it on some "toys" like a digital camera, new snazzy computer, new wardrobe, etc. But no, my hatred for Providian has prompted me to keep working on slaying their putred card!! So, this morning, I paid $1500.00 online. This brings my balance down to owing $676.00!! I had mentioned in previous posts, how desparately I want to get rid of this annoying, crooked card! (23.9% interest rate and no relief in sight) Ok, so here is what I owe now... Providian @23.9% Balance $ 676.00 Sears @21% Balance $2000.00 FNANB Visa @15.7% Balance $ 750.00 Summary: Providian will be paid off by June of this year at the latest. Sears will be paid off by October of this year. FNANB will be paid off by December of this year!! Thanks to everyone on this board for all the help, input, suggestions and opening my eyes finally to getting out of debt!