Emerge takes advantage of people with less than perfect credit. Emerge feeds its company on luring people with guarantees for credit cards, the catch is; rasing interst rates later. Or stating that payments were not received on time, thereby charging late fees, or over limit fees. This company thrives on pay by phone fees, but if you try to speak to someone, you will speak with someone from India. Emerge is big on outsourcing to other countries, so the consumer will give up in frustration, etc. Besides it (outsourcing) is cheap for the company. Once you as the consumer gives up; emerge can charge all the late or over-limit fees it wants. See the big picture, now? DO NOT USE EMERGE. Cancel your cards. It is a way to take control of the united states. It is not too late, but hurry befoe it is too late.
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