I read about emblem being a rip off but I have been with Emblem 2 years and they helped me. Sure their interest is 16% or more but remember you ruined your credit thats why they are contacting you. I had lost a house, car, job, buisness and was crawling out of a hole. Emblem helped me, saved me 1/2 on a credit card I use to owe and gave me a credit card which by the way everyone does need. So no complaints and my credit limit is rising but I am more responsible for what I do spend because I know you put your own self in behind the 8 ball. If you can not afford it, don't buy it read full review »