Long story short... Had an FNOB card for emergencies had not used it in a while so they cancelled it even though I was making payments, then they sold me to emerge. Emerge never sent me bills or statements, when you google them you can't get their website, and when you finally call them you can only get a customer service rep by saying your card is stolen. After an hour of trying to get ahold of them they won't give you your acct. Number which you need to pay online but then it's 15.00 to pay by phone. Take my advice don't sign up with them and if you did, pay it off and say goodbye...
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