I owed a debt to Jeff. Cap. for 259 dollars, paid it off, it now shows paid on my credit report, I got the card, started with a limit of 113 dollars, and because of good payment i've gotten two credit limit increases, I have two other first credit cards by Premiere Bank, they are constantly turning down the offers for CL increase, which is discouraging, but Emblem is actually rewarding the fact that I pay on time. I thought they might be a scam at first, but I owed money and didn't have any good credit cards (I was getting Premiere cards the same month) so I thought i'd give it a try, and I'm glad I did, they report every month and have taken my score up at least 20 points in the last 10 months. Calling in, they are helpful and actually give you good advice about your credit, and how to make payments.. Never have had any surprises. One person I actually spoke to on the phone noticed that I was three days late on one of my payments, and said well, this one will be paid within grace period so don't worry, but remember to make your payments on time, because that'll boost your score and you'll be entitled to more credit limit increases!.. I was shocked, so many financial institutions want you to fail. so grade A definately.