Interesting, I signed up for a Providian Visa about 6 months ago, and used it to charge all my travel expenses to and from Redmond. My only complaint is the low credit limit I got. On the way to redmond I went $60 over my limit and was charged a $35 overlimit fee, perfectly fine. It was my mistake for not keeping closer track of exactly how much I had charged. But I sent them a short message saying I messed up and they reversed the fee! So, on the whole, that was completely unnecessary and very nice of them. :-)