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karebarelowery · #1 11-22-2008, 11:41 AM

I would like to know if anyone has found more information on emblem mastercard program, and if they are ligitimate. So far the information is really vague and simply not very helpful. I received an offer to pay an amount, then they pay an amount, then I receive a credit card through Monterey County Bank. Email me please at
email deleted per TOS rules.paulmergel with any new information. Thanks

paulmergel · #2 11-22-2008, 11:44 AM

Emblem Mastercard is a scam pure and simple.do not do it.

#3 12-14-2008, 06:10 AM

I was offer the same deal and then I got a letter from another collection agent trying to collect the same debt. I have already paid them a $120.00.

debrag_25 · #4 12-14-2008, 08:21 AM

If it doesn't feel right to you...don't do it. The fact that you aren't getting ALL of the information you need says it all to me. Don't let your desperation to settle your debt speak louder than your sense...it's one of the hardest things to do in this type of situation but you'll be glad you didn't do it.

#5 01-13-2009, 10:31 AM

HEY I RECEIVED THE SAME THING IN THE MAIL AND IT IS NO SCAM. I DID MY INVESIGATION ON THE COMPANY

#6 01-30-2009, 02:24 PM

I have a similar program with another credit card. It went very well and is almost paid off, plus they have been giving me new credit and increasing this as I make my payments on time, etc. So I guess I wasn't as doubtful about this when I received it for another card debt from a different card, but is from the same bad time in my history. I had written several letters to the collection company on the card requesting any kind of plan similar to what Capitol1 had arranged. Then I finally got this offer. I am making the payments, but they have such odd hours, it is hard to get through to make the payments. I'm curious to see how trustworthy they are. I have a record of all of my payments and have no difficulty in fighting for my rights with the credit report companies and collection agencies. I've gotten many things removed that I have record. I will let you know in six months how I feel about this company.

#7 06-09-2009, 01:01 AM

Ok, I got this offer where I owed "x" company $310. Emblem offer me a chance to pay a fraction of the actual debt, they'd be courteous enough to "knock off" $110, and the remaining balance would be xfrd to an Emblem Master Card isued by MB&T to help me re establish my credit. I made EVERY payment requested of me on time(no, i'm not exagerrating either). They turned around and told me i "didn't" qualify after all and they reported it to Equifax and now registers as a blemish dropping my credit score even further to a saddening 645. If your serious about clearing any debt, call the company you originally went in the red with and see if they can help you establish a payment plan. Again, just speaking from my experience.

SUEBEEHONEY70 · #8 06-09-2009, 06:10 PM

Tony, thanks for your input on this. We're seeing this company popping up a lot here lately, and they are apparently owned by Jefferson Capital, which is a debt collector.

Myself, I'd be highly suspicious of any debt collector that was offering me a credit card!

I understand you're upset that your score dropped - but look on the bright side - most of us here would love to have the score you have, so you're actually not in bad shape!

#9 06-19-2009, 04:24 PM

I used them and haven't had a problem. My debt is paid and now I have a credit card that I pay off every month.

#10 07-03-2009, 06:03 AM

I have emblem mastercard to an haven't had a problem.

#11 08-12-2009, 01:58 AM

I have been with Emblem for 3 yrs and I do not see where people are saying its a scam. They help restore my credit and now I have a credit card and they have been very FAIR with me. If you have a problem with them I really don't know why BUT I am very happy with THEM.
Thanks!

#12 08-12-2009, 03:09 PM

I agree with Gerrfl, I did my payments with Jefferson Capital - its a debt, I owe it, whether or not I get a credit card out of the deal is not the point, the debt is owed and needs to be paid. If someone offers a settlement, take it, just make sure ou have paperwork and keep it for years.. other will come back and try to collect again

#13 09-16-2009, 11:52 AM

I've been working with Emblem for the last year and it has been great. They have increased my limit for paying on time which has increased my credit score (I've been good at not using the card) and my previous debt is almost completely paid off. I have had a great experience.

#14 09-28-2009, 01:30 PM

I paid the debt and I received the new card in the mail.....It looks ok so far.

#15 10-03-2009, 08:17 AM

I too have emblem card and have had no problems. As I make my payments they gradually increase my limit. Been with them for almost a year and no problems.