June 28, 2002


Office of the Chief Accountant
Securities and Exchange Commission
450 Fifth Street, N.W.

Washington, D.C. 20549

                  Re:      Advanta Corp. (Commission File No. 0-14120)



Dear Sir/Madam:

The representations made in this letter are based solely on discussions with and
representations from the engagement partner on the audit of the financial
statements of this registrant for the two most recent fiscal years. That
individual is no longer with Arthur Andersen LLP. We have read the first four
paragraphs of Item 4 included in the Form 8-K, dated June 28, 2002, of Advanta
Corp. to be filed with the Securities and Exchange Commission and have found no
basis for disagreement with the statements contained therein.

Very truly yours,


/s/ Arthur Andersen LLP

cc:  Philip M. Browne, Senior Vice President and Chief Financial Officer
     Advanta Corp.