Emblem Credit Cards - Know more about this 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

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:

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).

USAA?please bring up a real cc.again alot of people touting them are in for a real rude awakening.mark my words.

I have carried an emblem card for 3 years. It is pretty straight forward. They (Jefferson) are collecting a debt. I think that it is true that if the state is outside the SOL, the SOL will renew when you agree to pay it. BUT - if the questions are as I think they are: (1) will the debt be cancelled for the discounted payment? (a) yes, SETTLED, not PAID - there is a difference (2) will they (Monterey) really issue you a credit card, unsecured? (a) yes, I just got my replacement card for my expiring card I have had for 3 years. They have given me credit increases until my limit matched their maximum allowed, which is $899.

THE WAY I READ IT: In response to the post containing the court documents, please note that the relationship between Jefferson Capital and Compu-Credit, and the practices they engaged in jointly,:neutral: is the basis for the suit. The Emblem card or Monterrey Bank is not noted. The "practices" that are mentioned include not disclosing fees and not issuing cards in the time frame promised. All of these things may be happening to people who are settling with Jefferson Capitol with the promise of a credit card from Compu-Credit, but I could find no record of such things happening with the Monterrey Bank and Jefferson Capitol relationship. Jefferson Capitol may be less than reputable, having been mentioned in the suit, but I at this point, I am trusting Monterrey, with experience as my guide, until someone can factually point me otherwise.

so did I

It is a real program.

Okay I signed up and made my last payment monday.... I paid the whole amount to get the card.... the lady said it would be 3 weeks before i get my card so we will see..... hope this thing isn't a scam :)

How can I get or become a emblem card memeber??????? Can you help?:confused:

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

I've been an emblem card holder now for 7 months and i love it. I had messed up my credit and they sent me the same notices about paying these off and now my card is here, i use it weekly and pay it monthly.. They are great people to work with

I received my card after I really had given up on the program because of all the negative feedback I had been hearing, but; the balance to the delinquent account I had is on the card and the actual account is not on my credit report anymore. So, it's been a win win situation for me. All of those that it's not working for, I don't know what your doing wrong because it worked for me. :p:p:p:p:p

I had recieved a letter from Jefferson capital about a bill which I knew I owed. It seemed FISHY to me to. I went on and accepted the offer. Payed what I owed for six months and recieved my Emblem mastercard today 8-20-2012. Made my last payment on 8-7-2012. And no this is not a scam. To all out there,this is NOT a scam. Hope to build up a few points on my credit score. Thanks.:lol::lol::lol::lol::lol: