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Emblem Credit Cards - Know more about this card

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i not had my emblem credit cards very long but i like this credit card pretty good the credit card i have been using doesn't increase there credit limits plus on that card i have to pay a yearly fee 84 dollars a year that's 7.00 a month on my first premier card this emblem card from the fresh start program doesn't have no yearly fee and as i signed up on it i sent the i call it starters payment in they wanted 51.00 before they would send me the card out to me so i sent them 60.00 instead of 51.00 i figured that way i would increase my chances of getting my debt payed off a little faster plus at the same time i would get the credit card a little faster they was very fair about it they offered me i think something like 2 months to pay the 51.00 in order to send my credit card to me it was like 20.00 for two months and now my payments are just 20.00 a month they transferred my old debt onto my credit card they credited some of my debt which left me owing 293.00 on my credit card whats great about is that while i am paying off the 293.00 i owe it gave me a great credit card so i now all i have to do is be careful of much i spend on my card maybe should have done some research before signing up... rt-program.html

Sub: #1 posted on Wed, 04/29/2009 - 01:27

Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.14)

So, you got a Emblem Card? How long did it take you to receive your card in the mail after you had made your final payment to Jefferson Capital Systems, LLC?

I just sent it my last payment. They gave me one year at 21 a month but I paid off the $241 within about 4 months. So, I called to make sure that it was ligit and they would notify the Montery County Bank to send me a card. The rep at Jefferson told me after my final payment clear they would transfer the the other $240 to the Emblem card with no yearly fee and 0% interest.

Since I made my final payment with Jefferson, I just want to know how long did it take you to receive your card in the mail after you made your payment?

Sub: #2 posted on Thu, 04/30/2009 - 02:30


Contrel please keep posted when you receive your Emblem Card. I've been paying them $21 for 3, 4 months now. Unfortunately I did the research AFTER I sent them the first payment and I didn't try to get out of it (afraid I might mess the credit up even more). They don't waste any time reporting to the bureau tho.

Sub: #3 posted on Fri, 05/01/2009 - 01:54

trenee19771111 trenee19771111

(Posts: 2 | Credits: 0.74)

my emblem card is not working and i pay over the limet every mounth and i want to know what is going on.

Sub: #4 posted on Thu, 05/07/2009 - 07:01


I received my card within 7-10 business days after I made my last payment.

Sub: #5 posted on Sun, 05/10/2009 - 04:12


I received my Emblem credit card today. I had made my last payment mailed it in on April 29, the check cleared May 5th and I received my card today May 12th. That was quick!

The Jefferson Capital Fresh Start Solution program really works, I am a witness. It is not a scam for all of the negative post out there.

Sub: #6 posted on Wed, 05/13/2009 - 04:50


Emblem CC? Is this a 'Unsecured' CC? CONTROL....please tell me a bit more about this card. Visa or Mastercard? How does it help your credit? Thanks.

Sub: #7 posted on Wed, 05/13/2009 - 07:54

sdchargers_63 sdchargers_63

(Posts: 1798 | Credits: 179.17)

The Emblem Credit Cards was made possible through Jefferson Capital Solutions, LLC, which is a debt collection agency.
Instead of the ordinary debt collection agency collecting money, they have made an agreement with Montery County Bank to issue a Credit Card to you upon the completion of their program.

The way it works is, they purchase bad debt and collect on it but, they make you an offer, you pay a fraction of your debt on a monthly payment plan to them, you must be on time and not one payment can be missed. Then, after you have completed your part, they transfer a portion to the credit card that Monterey County Bank is issuing and then the right off the remainder of the debt. So, my total debt was $700, I paid $241, they issued an unsecured Mastercard for $262 and transferred $220 onto my card, giving me a small avaliable credit, then the remainding $240 was written off and the debt is mark Paid on my credit report. Now with a new start I can start rebuilding my credit. There is no annual fees or fees for having the card, the percentage rate is 0% for the balance that was transferred and 18.99 % for all new debt.

But that is how the program work so. They issue a unsecured credit card.

Sub: #8 posted on Thu, 05/14/2009 - 02:30


Can you actually call these people up and ask to be on the program, to re-build your credit? you have to be 'assosiated' some way with them, etc.?

Sub: #9 posted on Mon, 05/18/2009 - 23:54

sdchargers_63 sdchargers_63

(Posts: 1798 | Credits: 179.17)

The emblem card is issued through Montery County Bank. The bank is only notified when you have met you obligations with a debt collection agency called Jefferson Capital Systems. Jefferson notifies the bank to issue the card and they will transfer the remainder balance owed on the debt at discounted rate to your new card.

Jefferson Capital Systems must purchsase you debt from a creditor or another collection agency as with any debt. In this instance they have a great program to get you to pay your debt and build your credit at the same time.

Sub: #10 posted on Fri, 06/05/2009 - 02:06


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