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#17
07-08-2009, 03:29 PM
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Emblem Mastercard
My husband had an old debt from a Fingerhut account. He was contacted about paying it off via the plan from Jefferson Capital. He was on the phone for a long time with them getting everything explained to him. I was very, very skeptical.
We paid the debt off in the time allotted and received the card. We have received many increases due to paying our bill on time every month. Our limit is now up to $816. We've never had any problems with the card. The only thing I've not liked is the few days it takes for a payment you make towards the balance to post to the account once paid but it's normal with any transaction. I'm just impatient..lol. I am very happy they helped us out with paying the debt off. I think it's a neat idea because the credit card helps to build credit that was lost from the delinquent account we had. I've paid debts off through MCM and never been offered anything like this. Definitely not a scam. 
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#19
07-10-2009, 08:50 AM
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emblem credit card
I have had my card for approx 4 mos and had a small debt tranferred to it and have had no problem. It is an unsecured card, I have paid faithfully but have not yet had my limit raised. Not sure why people think this is a scam, First Premire, not theres a scam.....
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#22
09-18-2009, 03:40 PM
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Just some information:
First the Emblem card is real and can be used for anything but you should be real careful where you use it at for the first 90 days (No pawn shops, thrift stores, bars. retread shops, etc.). The fraud department blocked my card due to the way my cell phone company charges the card (Their billing system authorizes $1.00, then about 10 minutes later processes the actual monthly charge, resulting in two quick authorizations. Also, if your account is in good standing and you have the credit available, if you plan to make a major purchase (Laptop Computer, for example), it wouldn't hurt to contact their fraud department in advance and let them know about your plan or your card may be blocked automatically when you try to purchase the computer. Now for some background information: Jefferson Capital is owned by the parent company Compucredit, Compucredit also has/had subprime cards Imagine, Aspire, Tribute but those all had low credit limits and fees similar to First Premier. When you get your Emblem card, it will be serviced and handled by Compucredit's Credit Card department. Also, if you check the payment address on all the cards above, they will all have the same address. The difference about the Emblem card is that there are NO fees except the possible late and over limit fees (which compared to the cards above, are low). My Emblem card had a $100 credit limit, it is now over $1,000. I usually pay about $40 over my min payment and I pay on the date that the statement drops. You can view your statement online at myemblemcard.com . The only thing that I do not know is what happens when the Emblem card expires, if the account is in good standing, do they give you a new one, convert you to a different card, or close the account due to completion of program? Also, it is possible to have more than one Emblem card (I have another one with an $84.00 limit) but be careful if you have more than one Emblem card. Also remember that on any credit card, if you go over your limit, or pay late, according to the contract, you are in default and they can demand the whole balance in full (also, if you have more than one Emblem card, if you default on one, you automatically default on the other, even if it is in good standing. So, if your very careful, treat the Emblem card with respect and care, pay more than your min payment and on time, you will end up with a nice card with a decent credit limit at the end. Lee I had to call them and explain that the $1.00 charge will never settle and they were fine with that and reactivated my card.
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#23
09-20-2009, 08:39 AM
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They Stoped my card
My status with Emblem credit card was excellent, Never missed a payment. in fact My balance was always paid 2 weeks prior to payment. One day when my car tire had blown on the highway I called a tow truck, (my available credit at this time was 359.59) I gave my credit card to dispatch for approval, I was informed my Emblem card was declined. Not angry or upset I called customer service, customer service asked the obvious to ensure I was the card holder. Emblem customer service stated a hold had been placed on my card because I had several charges, my limit is $400.00 I used this card for lunch as I told the customer service person. She said I am sorry I cant approve your transaction, I am stranded with a blown tire this woman tells me she will not approve the card!!!!!! I have never been late or surpassed my limit in any way, she then told me I used my card too much What!!!!!!!! have you lost your mind, this is the purpose of the card, I then told her to cancel my card now and I will send Final payment in the morning, as far as my getting home my insurance company provided me with service.
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#24
10-14-2009, 06:03 AM
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#25
10-14-2009, 12:50 PM
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This is a legit program and not a scam! I received my card back in May and it is October and received my first increase on my credit card. I got my credit card within two weeks after my final payment with Jefferson. The card has 0% interest and I am sure that will change pretty soon but even the new balance, I haven't been charge any interst. I can't say anything negative about Jefferson Capital nor Montery County Bank, the Emblem card is totaly NOT a scam!
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#28
11-04-2009, 06:58 AM
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that's easy.owe a bottomfeeder.then they offer this when you are done paying whatever debt they claim you owe.easy as pie.
__________________
giving hope to the hopeless,help to the helpless,and hap to the hapless.
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#29
11-05-2009, 03:52 PM
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