I to am one of the Providian customers that was converted over. My account was not switched until March of this year. I received a new card without any additional information. I had my providian setup with online payments and when I went to check the providian account told me to go to this Youraccountonline.com, so I went there followed directions and got lost. I made a payment on this new site and low and behold the next day when I checked and called the company it was not there. The guys walked me through it and I made my payment. The next month I see a late payment fee, (the payment was made the next day) when I called them I got the same we will investigate thing. So I went on May, June, July WHAM!!! I see my interest rate went up to 32%, so I called and they told me that was because of the late payment in March and my account went over limit in July (once they applied this horrendous rate and that I can kiss my... because they are not going to do anything. Also when it showed that I went over limit 2 days later I made a payment that was 2 times the amount of the minimum due, not to mention I do this twice a month so I am paying 4 times the amount. so Blah blah blah it was in your disclosure statement that we sent out to you, when I told them I never got anything other than the card Shiloh (manager by the way) said she would gladly send me out the disclosure statement. But would not update my account. If anyone wishes to pursue this in a class action suit COUNT ME IN!!!