The security of your Providian credit card is paramount; you need to ensure that your credit card information is not divulged, stolen or the cards itself stolen by other people. You should make sure that any use of the card by other people as your children and spouses is authorized by writing done by you and accompanied by all relevant supporting documents of identification.

Early payment or payments done on time is very crucial; this reduces the level of interest and charges accrued. You should never miss a payment as this will not reflect well in you credit scores and will lead to eventual accumulation of debt. The credit card company also will give you different rewards on your early payment which will go along way in reducing your credit balance.

If any of the cards is proving cumbersome in terms set, then you should consider reapplying for another type. The credit company will be happy and willing to transfer your account to another as long as your balance is up to date.