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The Emblem credit card is an unsecured credit card that a collection agency called Jefferson Capital International offers to debtors as a way to resolve debts. When your debt goes intro collection, the agency offers you to pay off a part of your debt and issues you an Emblem card with the remaining debt as a balance owed on the credit card, so it is not generally possible to apply for this card online. You can use your card to pay off the debt, and you can continue using it after the debt is paid. The card is issued by Monterey Country Bank and is reported to three major credit bureaus.

If you are seeking for a credit card to improve your credit score, you might want to consider the Merrick Bank Double Your Line® Mastercard®. It is meant for individuals who have bad to fair credit and are looking for concrete steps to improve it. Usually, that means that your score should be on a scale of 300 to 669 according to the FICO score range. A great feature of this card is that your initial limit of $550 to $1,350, based on your creditworthiness, can be automatically doubled after seven months of on-time payments. Also, the Merrick Bank Double Your Line® Mastercard® is reported to the major credit card bureaus, which allows you to build a credit history that eventually can help you be approved for better financial products.

As an alternative, give your attention to secured credit cards because these will be easier to qualify for. These cards look and act like traditional credit cards, except that you provide a security deposit as collateral for your credit card account. The OpenSky® Secured Visa® Credit Card, for example, is one of the rare secured cards that doesn't even require a credit check. OpenSky® will set your credit limit equal to your refundable deposit, with a minimum deposit of $200 and a competitive interest rate. With a secured card that reports your activity to all three credit bureaus, you can also further boost your overall credit score.