PROVIDIAN FINANCIAL CORP
8-K, 2000-06-20
SHORT-TERM BUSINESS CREDIT INSTITUTIONS
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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
                             ---------------------

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the

                         Securities Exchange Act of 1934

                   ----------------------------------------

                                 Date of Report
                       (Date of earliest event reported)

                                  June 20, 2000


                        PROVIDIAN FINANCIAL CORPORATION
            (Exact name of registrant as specified in its charter)


        Delaware                        1-12897                   94-2933952
------------------------       ------------------------      -------------------
(State of incorporation)       (Commission File Number)         (IRS Employer
                                                             Identification No.)

           201 Mission Street
       San Francisco, California                                       94105
----------------------------------------                         ---------------
(Address of principal executive offices)                            (Zip Code)


                                 (415) 543-0404
                    --------------------------------------
                        (Registrant's telephone number,
                             including area code)

                                       N/A
    -----------------------------------------------------------------------
         (Former name or former address, if changed since last report)


Item 5.  Other Events.

     On June 20,  2000,  the  Registrant  issued a press  release  revising  its
earnings  guidance in light of recent  legal  developments.  A copy of the press
release is  attached  as Exhibit  99 to this  Current  Report on Form 8-K and is
incorporated by reference herein.

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

99   Registrant's press release dated June 20, 2000.

                                    SIGNATURE

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                        PROVIDIAN FINANCIAL CORPORATION
                                                  (Registrant)


Date:  June 20, 2000                    By: /s/ David J. Petrini
                                            ------------------------------------
                                            David J. Petrini
                                            Executive Vice President and Chief
                                            Financial Officer


                                  EXHIBIT INDEX

Exhibit Number              Description
--------------              -----------

99   Registrant's press release dated June 20, 2000.



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