Same here. I've got an ATM/Debit card, and a PayPal credit card (which is actually through Providian),

Be very, very cautious about that Providian card.

Do not ever use it unless you are fully prepared to pay the balance in full every month. They will take advantage of every line of fine print in your contract to slap user fees on you that are simply beyond belief. I know of people who got behind in their payments to Providian and ended up paying more in service charges than the amount of the purchases made on the card -- I'm talking thousands of dollars in service charges.

My very earnest and serious advice to you is: Pay the account in full, then cancel the account, then burn the card. ANY other credit card will be preferable to Providian.

tanstaafl.