dm, i also have a providian card. the card says wamu on the front and chase on the back. i had a 0 interest card for 6 months and chase contacted me on the 5th month and said my terms were changing. i told them i wanted to see a bill of sale for providian because i was a shareholder of wmi and know they had not paid for them. about 2 months later they sent me a letter to say that the original terms apply, but any further charges would reflect the new interest rate after the effective date. thats how they got around it. about the ownership issue ....i was stonewalled. they never sent any other info to me. but my credit card has been interest free for 2 yrs. that tells you something!
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