The emblem mastercard is good. I was just offered it and took it. They cleared my debt of $800 from my imagine mastercard and transferred the amount to emblem card. They deleted the bad debt from imagine off my credit report and now the emblem is showing on my report as paying on time. They let you build your credit and get rid of the original debt at the same time. I would say GO FOR IT. I've been getting items deleted and paying on 2 credit cards faithfully and can't wait to check my score in September FICO's as of 6/2008 TU-431, EX-429, EQ-423 I'm shooting for the 600 club by September.