The Emblem credit card is an unsecured credit card offered by Jefferson Capital Solutions as a part of their fresh start program. The card is issued by Monterey Country Bank and is reported to three major credit bureaus. The Jefferson is a collection agency. When your debt goes intro collection the agency offers you to pay off a part of your debt and the issues you an Emblem card with the remaining debt as a balance owed on the credit card. You can use your card to pay off the debt and you can continue using it after the debt is paid.