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Emerge Credit Card

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Emerge Credit CardIt is unclear whether or not the Emerge credit card is still being issued, but at one time it was offered under both the Visa and MasterCard brands. Research indicates that Emerge was established when Providian sold their credit card accounts with a sub-600 FICO score to Georgia-based CompuCredit Corporation in 2002. First National Bank of Omaha was the issuer of the new cards.

A visit to the emergecard.com web site shows no information on any credit cards they currently offer, nor on the accounts purchased from Providian and others. The web site appears to be merely a portal through which current card holders can access and manage their accounts. Compare current credit card offers here from other providers!

The web site also indicates that current card holders enjoy some of the same benefits found with many other cards including ATM access and secondary cards for family members. On the other hand, various fees including an annual fee, opening/closing fee, and monthly maintenance fee can all be accrued by current accounts.

Consumer Complaints on Emerge Credit Card

Consumer complaints regarding Emerge abound all across the internet. Some of the more common issues revolve around:

  • Poor customer service
  • Company representatives not fluent enough in English to communicate effectively with customers
  • Questionable charges
  • Unclear credit limits

Numerous complaints were filed claiming that accounts were closed and paid off, only to be billed the following year for the card’s annual fee. In some cases, negative credit reports were issued for outstanding balances that were in dispute.

FTC Lawsuit Against Emerge Credit Card

In Spring of 2008, the Federal Trade Commission (FTC) filed suit against CompuCredit Corporation and one of its subsidiaries, Jefferson Capital Systems, LLC. Jefferson Capital is CompuCredit’s debt collection arm. The lawsuit alleged the two companies engaged in deceptive business practices in regards to the issuance of sub-prime credit card accounts.

In addition, Jefferson Capital was charged with violations of the Fair Debt Collection Practices Act (FDCPA), regarding the means in which it attempted to collect past debts. Specifically alleged in the FTC complaint was that Jefferson passed off past-due collection accounts as credit card offers to unsuspecting consumers.

The brand names under which the deceptive practices were supposedly carried out include Emerge, as well as Aspen , Aspire, Fingerhut Credit Advantage, FreedomCard, Imagine, Majestic, and Tribute. To find other legitimate credit card offers use the credit chaser now!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

10 Cardholder Reviews for the “Emerge Credit Card”

  1. Dianne says:
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    recently notified that Emerge has discontinued their credit card business, and that all accounts were closed immediately. Does anyone else know anything about this?

  2. Carole Sagen says:
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    11/09/2010
    I just received a letter from Emerge saying they are discontinuing the card – not just closing my account – and that no new charges are to be made to the card.

  3. cindy says:
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    I also received that same letter; is it true or scam;everyone I tried to speak with had a heavy accent

  4. Terry says:
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    I recently found out that that the interest on my emerge credit card was increased to 28.9 percent. I was never late paying or over limit. when I inquired as to why, I was that they can do that, just read the fine print on the agreements sent in the mail with my bill. The nerve of them and now the card is canceled but not the usury charged. p—off, Terry vingens@prodigy.net

  5. Anne says:
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    I also received a notice of cancellation of my card in October. Since then, I have received a late fee (which was untrue) but I did pay. Since then, I am receiving daily calls saying I owe money, well above what my statement states, and late fees. All of these calls are coming from India. The person doesn’t listen or can’t understand when I tell them I have the statement in my hand and they are wrong. Besides filing harrassment charges, I’m not sure what to do. A class-action suit might be the best choice.

  6. jo anne gray says:
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    I opened a credit card with aspen . They kept increasing my limit pulling me into debt., every time i told them to deduct my increase they said they couldn”t do it til finally they closed the acct. on their own and then began to charge me fees after i sent them a letter stating i wanted them to honor their stipulations on increases.

  7. Mark says:
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    i wish there were a choice with NO stars. these people are the pits.

  8. teri says:
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    I stopped paying on the account, and when they called I NOTIFIED THEM THAT I WILL ONLY CONTINUE TO PAY IF THEY RETURN MY INTEREST RATE BACK TO ORIGNAL RATE WHEN i OPENED THE ACCOUNT. AFTER THREE MONTHS OF THAT, THE COLLECTION CO. MADE OFFERS TO CLOSE OUT THE CARD. I WAS PUT ON A HARDSHIP OFFER , ONLY PAYING ON THE PRINCIPLE – NO MORE INTEREST. P.S. The calls are now coming from Georgia with a very southern accent, better than India.

  9. Todd says:
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    I was laid off, and had to stop making payments on the Emerge Account. Emerge was the 1st to start calling about late payments. The contact calls stopped around April 2012. We called the Emerge # and got a recorded message saying that our account had been sold with a number to call. Called that number and they say the don’t have any record of my account.

    DON”T KNOW WHAT THE STATUS OF THIS ACCOUNT IS AND CANNOT FIGURE OUT HOW TO FIND OUT!! CUSTOMER SERVICE ON EMERGE IS THE WORST!

  10. teri says:
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    I got rid of this credit card from hell. I stopped paying them. When the person from India called I had my husband talk to them. He is good. He got them to grant a hardship on the account with no fees and no interest. One year later they offered a payoff of 50% deduction. I paid and now dept free. I was paying $500 per mo. for 18 mo. not knowing that they raised the interest rate to 28.9%. They lost over $5000 . Serves them right. if you want help email vingens@prodigy.net No charge. He loves to pay back for greed.

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