i not had my emblem credit cards very long but i like this credit card pretty good the credit card i have been using doesn't increase there credit limits plus on that card i have to pay a yearly fee 84 dollars a year that's 7.00 a month on my first premier card this emblem card from the fresh start program doesn't have no yearly fee and as i signed up on it i sent the i call it starters payment in they wanted 51.00 before they would send me the card out to me so i sent them 60.00 instead of 51.00 i figured that way i would increase my chances of getting my debt payed off a little faster plus at the same time i would get the credit card a little faster they was very fair about it they offered me i think something like 2 months to pay the 51.00 in order to send my credit card to me it was like 20.00 for two months and now my payments are just 20.00 a month they transferred my old debt onto my credit card they credited some of my debt which left me owing 293.00 on my credit card whats great about is that while i am paying off the 293.00 i owe it gave me a great credit card so i now all i have to do is be careful of much i spend on my card
Hello, I just recieved this offer from Jefferson Capitol and i looked to this site for help before i decided to take the offer.I mainly wanted to know if this was some sort of scam.I have read quite a bit of these response and i have decided to take them up on their offer. It seems to me the benefits outweigh anything else i just want this debt gone.
I called to see about why I went from getting a Credit limit increase every 6 months to nothing for 2 years and was told they put a freeze on increases do to the economy ! Im never late and have paid my balance off many times over ! Over all Im very glad I did this to help with my credit after my bankruptcy !
I paid them on Oct 2, 2010 and recieved my card on Oct 28, 2010. I paid the 240 something up front. I got the card and the it was leget. Didn't have to call them or anything. Hope this helps.:p
Posts: 7
Credits: 386.4 Send message to Jack Arons
The company many of you speak so highly of is actually another company and they have been sued by the Federal Trade Commission for doing what many of you say they have done to help you.
Here is the actual case in PDF format:
http://www.ftc.gov/os/caselist/0623212/080610compucreditcmplt.pdf
I paid the 250 with the fresh start program and the card showed up in 3 weeks. Made a payment of 50 before the due date and will pay the rest of in the next month. If you pay it down your credit score should increase!!! Try not to use it until you pay it down. Then pay it right back. Treat it like a small debit card and pay it back asap. This will improve your credit score. Also consider getting a secured credit card with a 500 dollar limit. Credit union will be best. My score raised 60 points behind that. I am now a 630 reaching for 700. GOOD LUCK;)
I went thru. the hole program did the payment plan paid it off 2 months early and I had my emblem credit card with in a week of making my last payment.
So it is lagit and it worked very well for me :)
emblem is good.guys who complaint about it learn how to use crdt crd and read ur terms & conditions don just throw those t&c papers as u guys throw ur nasty smelling shoes..this is a advice:o:evil:
Posts: 14296
Credits: 110470.37042813 Send message to paulmergel
again a card issued by a JDB and only a JDB means they own you pure and simple.i suggest people read the whole thread and not just respond.horror stories at the start of this thread,btw it is about 6 months to two years when they pull the rug out.then since this is a cc run by a JDB there's nothing you can do.again they own you.sorry but alot of you are in for real rude awakening soon.especially the mope above me as if can't spell,or construct a sentence to save your life you shouldn't be lecturing others on anything.
I also received a credit card in exchange for paying off a debt. I received my card. And until recently, made every payment online. I had a hard time paying bills for a couple months, and they offered me 50% off my remaining balance to close the account. I'm pretty happy about their service. I did notice however, that all three of their credit card websites have invalid security certificates. Funny.. :)
Thanks,
Rob
Developer
I've had my Emblem mastercard for over 6 months. They shipped the card as they said, once I paod the agreed upon amount. Since then no prolbems or horror stories.
They due report to all 3 credit bureaus and received good ratings from them which have helped me get a 2nd credit card from my bank (USAA).
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