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The Emblem credit card is a part of Jefferson Capital Solutions program. This company is a debt collection agency which partnered with Monterey Country Bank to offer their consumers the Emblem card. Therefore, you cannot apply for the Emblem MasterCard credit card like you would do with any other credit card. If you want to improve your credit the best option can be a secured credit card. Secured cards are relatively easy to get. The important requirement is a security deposit, which you have to pay before you get a credit card. Secured cards are reported to three major credit bureaus, so you will be able to improve your credit.