i just got my emblem mastercard with summery of terms and found out after i activated the card that i had a fee of 228 dollars of the bat and nowhere in the summary papers is it written or what the fee is for. it does say no annual fee and account opening fee it says none. I just want to make people aware of this. I just got informed that Jefferson capitol is a scam company and i'm really upset because i have a balance that i have been paying them, What really makes me mad is thaet i got scammed in the first place by tributegold mastercard and jefferson capitol picked up my account and promised me a second chance. I really need help in this matter for my credit standing is on the line i am in the process of trying to buy a home and these companies are out there scamming good hard working people like me. How are we suppose to know the good from the bad. I need help in this matter for my credit is in jeopardy after i've worked so hard t get back on my feet. Hopefully something is done about this company very soon. Should i keep paying on my balance or what? I don't know what to trust anymore. I hope something is done soon for everyone's sake. I hope this matter is fixed promtly and thank you for the fruad warning much appreciated.