Providian reported Thursday that its charge-off rate among its securitizations declined to 19.80% for April, compared to 19.89% for March. However, the figure is up compared to February’s 18.23%, and January’s 19.38%. Delinquency (30+ days) for its securitizations also dropped from 12.46% for March, to 12.27% for April. Previous delinquency was 12.89% for February, and 13.26% for January. The loss rate on reported card loans declined from 15.91% in March to 14.50% in April. Reported delinquency also declined from 8.76% in March to 8.34% in April. Providian ended the first quarter with $18,470,000,000 in card outstandings and 11.7 million accounts, acoording to CardData ([www.carddata.com]).