Go into the customization options after gaining enough money to purchase a customization and apply it to your character. You cannot just customize your emblem/title, you must actually purchase something to customize your character and change it. When in multiplayer mode, use and to select the tab to customize. The white "money" icon means in game credits you have earned playing. The gold "money" icon represents a different type of currency. If you really want an item and can't wait to get it, you may choose that type which translates into real money based off of Microsoft points.