My Providian Card was transferred by Washington mutual to this rip off company called SST with out any coordination whatsoever and instantly they hit with a late charge when I made my payment on time, and then insisted on anadditional payment, I can see by all the other complaints I am not alone so am getting a home equity loan to pay these jerks off and escape. I feel betrayed by the old home town bank and betrayed by my government that allows an outfit like sst to operate.