Life without credit card is not even imaginable. Every one has a credit card now in the US. Even in developing countries, the number of people who have at least one credit card has been steadily going up in the past one decade.
The reason is simple. Credit cards offer excellent alternative to money. They also take away the guilt of shopping by not allowing the act of money being taken out of the purse and being given to the shop.
Different credit cards provide different facilities. Some credit cards offer great credit terms. Some other cards offer great tie ups.
The providian has a great legacy. It is a part of the Washington Mutual. They have been identified with great quality and excellent service.
The top class of the Providian credit cards is the Providian Visa Platinum credit card. It is absolutely unique in the sense that it was the very first credit card which offered its users access to their FICO credit scores. The FICO credit scores allow users to understand their credit ratings and hence helped them get a grip of themselves in case the credit rating was not great. This is just one of the many innovations that providian credit card has come up with.