Emblem Credit Cards - Know more about this card

im beginning to see a pattern here today of nasty mean comments. its not very helpful or nice.

I received my Emblem card back in July of 2008, after paying on A Jefferson Capital debt. The interest rate is high, but there is no annual fee, so it's great to have for emergencies. If you make your payments on time, and don't go over the credit limit, you receive a credit increase every 4 months or so

i have had 2 emblem cards for about a year and a half. haven't had any problems with them at all. by making timely payments and watching my balances my credit score has gone up about 100 points in the past year. last year i was getting some anonymous text messages though about it being a scam.

I got my card and it has a balance of an old debt on it. My minimum payment is $36. It has already reported good standings to the credit comanies. This is not a scam. I'm sure you can probably get rid of the debt some other way but you wouldn't be building your credit. Are there other companies that do this?

Be extremely careful using Jefferson Capital, they key your payments as derrogatory eventhough every payment was made on time. Your credit score will take a dive because of this and Jefferson capital will refuse to change they way they report it. I had to dispute it through the credit breuru just to get my 57pts on my credit score back. Fresh Start my @ss.

it took me 8 months to pay off jeferson and after that it took i would say about 2 to 4 weeks to get my emblem card

hey, i actually wanted this card to build me credit back up. ummmm it did take a month for my card to come/ but i havent used it yet. i went to check me credit and umm its on my credit report as good standing so im gone keep paying mybad my credit limited might get higher.

My check cleard on june 13th and I still have not received my card. Whoever this anonymous person is saying he got it quickly must work for Jefferson Capital because that is a load of crap. I called Emblem this past week and they had no record of me. Jefferson Capital told me it can take up to three weeks to transfer the information over to Emblem. Has anybody else had this problem? If my payment was going toward that debt that is fine. However, this operation seems pretty shady and I am begining to think that these people are scam artists.

Emblem is a great card and yes, it is legit. I've had my card almost 2 years with steady cli every 3 months as long as u manage your credit responsibly. Since I've had my Emblem card, my FICO scores shot waaaay up!! I now have good credit (740ish), but I'm still not parting with Emblem. I really like the fact that they havent changed my APR like all the other cc's seem to be doing lately, EVEN to people with excellent credit history.

I got the Emblem card. I have been paying on my card balance (2-3 times the minimum payment) for over a year. They don't give any credit increases. So, the card is helpful for small amounts, but it won't grow your credit.

This program is real and I love it. I've cleared my debt using this program and I still use the card as of today... Great customer service and they've increase my limit several times. I highly recommend Emblem. A great way to pay off debt and improve credit all at the same time

I do not understand this logic. How can using a credit card help pay off debt? You create debt by using credit not pay off debt.

Anyway, I don't know if the card is legit but my guess is the terms are probably not that great. I think it is one of those cards that requires upfront fees of a few hundred dollars to open and then you get a $300 limit or so at a high interest rate.

If you want to improve your credit score then clean up the bad debt and watch the slow pays and late pays. If you feel you need a credit card then apply for one with no application fee, no annual fee and try to keep the interest rate low. I do not have or use credit cards anymore. A debit card works as good and you will not end up in debt.

This is not a scam. I paid my debt thru this and received my mastercard in 2007. There is no annual fee. They started me with $250 credit. I am up to $759 right now. It would be more I'm sure, but I got in a bind and couldn't pay total balance for a couple of months, just part, so that messed me up. It you want it to continue to increase, you have to pay total balance each month. Tthey way I look at it, if I'm gonna spend , say, $100 each week out of my bank account week for work expences, then go ahead and pay that $100 towards your credit card. you're gonna spend it regardless. This way, you're paying on your credit card each week. The only problem I've had with this card is that they monitor activity too much, which is acually a good thing. Sometimes I stop at a store and the card is rejected and I know that I have money left on it. I call them and they say they saw activity that they didn't think was mine. I tell them if it is or not and they take the block off my card. It's a little agrevating, but they're watching out for me. This is not a scam. It has helped me out tremendously and I thank them for giving me this second chance.

go to www.myemblemcard.com
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I have had my Emblem Card since May of 2009. I have received three credit increases. My limit started out being 262. Then in October of 2009; my limit was raised $100 to $362. In January 2010 My credit limit was raised another $200 to $562. In April of 2010 My credit limit was raised $300 taking it to $862. I started out with a 0% interest rate after my balance was paid off from my old debt which was only $200, My interest rate is VERY LOW l like 2%. My credit is not good because I have other stuff affecting it but in the midst I have still received credit increases and the interest rate is very low. I love the card and glad that I went through with the program back in 09. Worked great for me!

It is a real program I used it. I had a Visa rewards 660 card that I had went over the limit on in my younger less responsible years and forgot about it. About 4 months ago I received notification from Jefferson Capital the owner of the debt. They introduced this program. I did some research and figured that it is really not a bad way to get rid of a chunk of debt and get this item cleared off my credit report. I was asked to make 9 payments of $22 a month to Jefferson Cap, they forgave about $200 and transferred $130 to my Emblem card which has a $400 limit. The card came about 10 days after I made the final payment to Jefferson. I immediately paid off the balance on the Emblem card and carry a zero balance on it. It opens a good cushion of credit it u keep your cards paid down below 25% of the available balance. This is a big factor on making your PLUS Score increase on your credit report. Keep a Low Balance to Available Credit ratio. Also, I highly recommend spending the $7.95 a month to become a member of Experian, Equifax, or Trans Union, so that you can get a copy of your report for free as often as you like. In just 3 months of joining Experian.com i have raised my Credit Score from a 576 to a 644. Thats 68 points in just 3 months! I found old debts and paid them, and found errors and disputed them and won and they were removed. It is really worth the $7.95 a month to be able to look at your report and keep control over it! I highly recommend Experian, as their site is more easily navigible than Trans Union and Equifax, AND there are many options so you can get alerts as info is posted on your report. I even get text updates on my cell when my score goes up, or payments are posted!