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For the sake of clarity: You don't have to be a Providian Employee to be a “Providiot”. All that is required to be a Providiot is to be ignorant of the credit card and banking laws. You have to be willing to make a fool of yourself each time you open your mouth and you must be very convinced you're right about everything regardless of how few facts you posses regarding a given situation. A lack of attention to the obvious is also a plus!