Providian Financial Corporation Announces Second Quarter 2005 Earnings Conference Call

Providian Financial Corporation (NYSE:PVN) today
announced it will hold its second quarter 2005 earnings conference
call on Thursday, July 21, 2005, at 5:00 p.m. Eastern Time.
   The earnings release and accompanying financial information will
be released on that day after market-close and, together with the
conference call script, will be available on the Company's web site.
The call will be broadcast live over the Internet through the Investor
Relations page of Providian's web site.
   Those interested in listening to the call and/or presentation
should go to the Investor Relations page of Providian's web site
(www.providian.com) at least 15 minutes before the start time to
register and download any necessary software. Replays will be
available shortly after the conclusion of each event and archived on
the Company's web site.

   About Providian

   San Francisco-based Providian Financial Corp. (www.providian.com)
is a leading provider of credit cards to mainstream American consumers
throughout the United States. By combining experience, analysis and
technology, Providian seeks to build long-lasting relationships with
its customers by providing products and services that meet their
evolving financial needs.

   For more information: Investors, please contact Victoria Hyde-Dunn
at 415-278-4282. Media, please contact Alan Elias at 415-278-4189.