What to Do When You Can’t Pay Your Providian credit card Bill
The Providian cable company has seen better times. The company began in the early 1980’s and offered services to millions of customers, especially ones with less than stellar credit. Customers that used the Providian credit card saw high interest rates as you attempted to improve your credit history. The company was sold to Washington Mutual and subsequently JPMorgan Chase. Being a part of the “sub-prime”, the company understands the difficult financial times customers encounter. Although the parent company is different, the benefits and services provided by the Providian credit card are the same.
How to Pay the Bill
Customers are provided several ways to make a monthly Providian credit card bill payment. The available options include:
Pay online: Customers can pay your Providian credit card bill online by visiting https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/card_servicing/account_access/page/CCSMktPayBill.
Pay by phone: Call 1-800-436-7958 to make a payment by phone. You have the ability to use the automated system or speak to a customer service representative.
Pay by mail: Send your payment to:
Chase Card Services
P.O. Box 94014
Palatine, IL 60094-4014
P.O. Box 15148
Wilmington, DE 19886-5148
Automatic draft: Schedule your bill payment directly from your bank account. This eliminates the chance or convenience fees and penalty charges.
Pay by Western Union: Visit a local Western Union location to make a bill payment. Your account is assessed a small convenience fee.
Questions About Your Billing Statement or Account?
The Providian credit card provides a detailed account of the service charges and penalty fees assessed to customers on your monthly bill. If you need the charges explained, you can view the Providian credit card FAQs. A customer service representative is available to assist you when you call 1-800-436-7958.
How the Penalty Fees Work
The Providian credit card charges customers penalty fees and service charges, similar to other credit cards. You may notice charges such as transaction fees, penalty fees and the occasional increased APR.
- Returned check – $35
- Returned payment – $35
- Late payment – $15 to $35
- Balance transfer – 3% of the transaction amount or $5
- Cash advance – 3% of the transaction amount or $10
- APR – 11.99% to 22.99%
- Penalty APR – 29.99%
I Can’t Make a Payment
When faced with a financial situation that causes you to miss a payment of fall behind on your Providian credit card bill payment, we recommend you contact customer service at 1-800-436-7958. The representative will discuss ways to avoid penalty fees while still paying your Providian credit card bill. The available services include:
- Interest-only payments
- Payment plan
- Interest-free payments
- Extended due date
Will They Work With Me to Pay My Bill?
Several online forums claim the customer support for the Providian credit card is not up to standard, especially following the class action lawsuit.. Did you benefit from the programs and services offered by the Providian credit card/Chase credit card? We want to hear your stories.