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You probably also being charged a late payment fee since you only pay $25. I have been in this exact situatio, with Providian. Bite the bullet one month and pay to $20+interest under your limit. pay before the due date and they don't charge a fee (my United card charges a fee the day after the statement prints, Providian is the day after your due date). THe next month revert back to the $25/month until you can send more.

You could take the route a friend of mine took with Providian, not pay a cent, let them ruin your credit and hope they don't sue. But them you can say goodbye to that house.
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