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Emblem Mastercard - Is it a scam?


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Sub: Emblem Mastercard - Is it a scam?
Wed, 15/08/2012 16:18

I would like to know if anyone has found more information on emblem mastercard credit card program, and if they are legitimate. 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.

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Sub: #1 Just got the offerWed, 08/15/2012 - 16:18

I just received this offer today to pay off a debt form about 3 years ago, as it was a mistake on my part. I figured making a payment of $22 a month to get on it was a wise way to go. At the end of the day, I'm to get a small limit credit card in exchange for paying off a small debt form the time of my divorce. Sounds like a win-win to me!


Sub: #2 I too have received this card but, if most of you know whats on Sat, 08/11/2012 - 01:34

I too have received this card but, if most of you know whats on your credit report and no the state limits for trying to collect a debt. you wouldn't want to jump on this deal the debt they are trying to get me to pay for the card is over my states 6yr limit and is due to come off my credit report next month. If I was eager for the card I like most of you would jump on the card but, I have an unsecured credit card that has been helping my credit score for about 6months now. A paid debt is still a negative on your credit report. when I requested something in writing stating that they would totally remove the debt once I paid it they told me they couldn't remove it from my credit report but, Equifax was the one that told me to request for them to remove the debt once I paid. My debt or not I am not going to allow them to put it back on my credit report for another seven years. Yes it is a legit offer but, I would advise everyone to do there homework and see if it is going to be beneficial to your credit score in the long run.


Sub: #3 cardMon, 06/18/2012 - 07:36

this IS NOT a scam. I have the card. Paid off my debt and I now have a credit card and they increase my available credit. I have been with them for 3 years.


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Sub: #4 EmblemTue, 05/29/2012 - 08:47

I think 'Emblem' is one of those credit cards that is used for 'high risk'/improve your credit kind of things. I know someone who has that card and they have a 250-300 limit (I think). According to my friend, the card has helped her credit quite a bit.


Debt Samaritan
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Sub: #5 Is it your fees?? Call and ask them!!!Mon, 05/28/2012 - 15:49

Is it your fees?? Call and ask them!!!

How to Deal with Illegal Loans..OhioGal's Primer
PDL's are ILLEGAL in the following states...
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states


Sub: #6 emblem master cardMon, 05/28/2012 - 14:49

I just received a statement from them with a purchase on it. However I never received a card from them so please explain to me how I could make a purchase. their number is 1-877-345-0151 good luck


Sub: #7 i have an emblem credit cardThu, 05/10/2012 - 17:42

and as far as im concerned it is not a fraud. however every month i have to pay my bill it is hell trying to find the right site. Emblem is by far the best card i have.


Sub: #8 EmblemMon, 04/30/2012 - 18:58

I've had an Emblem card for 6 years with no late pays and am very satisfied. many doors have been opened since.

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Credits: 130

Sub: #9 Wouldn't say it's a scam but don't do it and I'll explain whyWed, 01/25/2012 - 15:43

I got the card ok. I used the card. so far everything was ok. My Payee sent a check for the bill. The card company cashed the check. Lastly they never credited my account and they want more money even though I paid the bill in full. It is still 2 weeks since they cashed my check and I have the bill growing. I contacted the agency and they stated they needed proof they cashed the check. So here I am having to deal with a headache that shouldn't be a headache. They basically get to keep my money I paid them unless my payee can prove they cashed it. Please don't get yourselves into what I am dealing with. Its not worth it.


Sub: #10 Okay, I have an Emblem Card also (for about 3 years now). I paidThu, 07/07/2011 - 10:48

Okay, I have an Emblem Card also (for about 3 years now). I paid every month on time, and paid off my balance (twice), yet I still have 3 bad credit report scores. The only thing (at all) on the reports were 4 outstanding hospital bills. The statement also noted that I have no current credit cards or line of credit. When I called Emblem today to ask them why wasn't my account status being reported, their customer service person told me that they did in fact send out a reporting to the bureaus every month. After persistence over the issue that it was not on my reports, the customer service person said, "oh, we apologize. I see here that the last reporting was in 2009, we have up to 30-60 days to correct this..." Three years of nothing being reported to the bureaus but outstanding hospital is that helping to rebuild my credit? SMH As a few people already posted, they are legit and you can build credit with them, but is it with "just them"? Let's see how and if they correct this and what effect it will have on my score.


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