Raised my credit score just fine!!!
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That's about it. I have had this card for over a year. I've paid on time since I've got it and my credit score kept going up. My limit is low of course, real low... $175 and even with paying on time and never missing a payment, still no limit increase.
This past month I was able to get a platinum card from capital one with a 2k dollar limit and after 5 payments made without a miss I'll get another 500. So the emblem card will get you on your way to better cards.
I'm debating on keeping it though because this week I was sent a letter saying they are adding an annual fee because of market conditions and business costs (yeah right). Which I hadn't had an annual fee before this and my capital one card doesn't have an annual fee.
Keeping it at this point would be only for the age of the account because with an annual fee now and a limit that may never increase its done it's job.
So if you get offered this card to rebuild your credit take it. Put small charges on it and don't miss payments. It'll do what it says to increase your score again get you to better cards. Once you start moving to better cards you can honestly dump emblem after.
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