I got the emblem card about a year ago, I paid my required amount off and received the card within a week. I finished paying the remaining amount within 6 months and am now just using it as a credit card responsively and it had boosted my credit score several points by having a positive reflection on my credit report. Just know its a credit card which more than likely got you into the debt you are in, so use it responsibly and it will be very beneficial to you. Good Luck