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Home >> Lifestyle >> H&R Block Emerald Advance Line of Credit

H&R Block Emerald Advance Line of Credit

Published: Nov 22, 2013 · Modified: Apr 29, 2018 by Stefanie Fauquet · This post may contain affiliate links · 217 Comments

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christmaspresents

With Black Friday and Cyber Monday right around the corner, it's seriously time for me to get my budget in check. One of the things I like to do in advance of my holiday spending is to make gift lists. Here's my process.

1. Make a list of everyone that I need to buy for and set a limit for each. Obviously this helps with the big gifts, but it also helps me stay in budget with all of the "little gifts" for teachers, babysitters and long lost cousins that add up at the last minute. You know exactly what I'm talking about!

2. All major gifts (electronics, hot toys and games) get researched for the best deals before purchase. I don't love Black Friday (I'm more of a Cyber Monday gal), but I would stand in line for 50% or more off a must-have Christmas item. Knowing how much each item costs at retail and the lowest advertised price helps me get more bang for my buck.

3. Make all purchases between Thanksgiving and two weeks before Christmas. The best way to avoid overspending is to buy everything as far in advance of Christmas as possible. When I buy gifts last minute I ALWAYS overspend.

Of course, even with of of my lists and planning, the inevitable always happens— necessary & unexpected expenses come up at the most inopportune time and my bank account gets crushed.

Now I don't know if you know this (I didn't!), but H&R Block offers services outside of tax season. One of them is Emerald Advance, a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000.

emerald advance

Emerald Advance is easy to apply for, you just need to make an appointment at your local H&R Block and bring an unexpired government-issued photo ID and your most recent pay stub — you don't need to be an H&R Block client to apply! Once approved, you choose  the amount of your line of credit, which is instantly loaded on a H&R Block Emerald Prepaid MasterCard. The card can be used year-round for unexpected expenses and other short-term credit needs.

Payback on Emerald Advance is easy, too. You can pay the balance with cash, Emerald Card, checking account or with a portion of your tax refund at MyEmeraldAdvance.com or through the Emerald Card Mobile Banking app.

H&R Block Emerald Advance helps you worry less about those pesky unexpected expenses without jumping through extra hoops to get the money you need.

H&R Block has asked me to help promote the Emerald Advance Line of Credit. The prize was provided and may be shipped to the winner by H&R Block, but all opinions expressed in the post are my own and not those of H&R Block. Entrants must be 18 or older and located in the US only. Winner to be chosen at random.

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Comments

  1. Catherine R

    November 22, 2013 at 3:12 pm

    Have a budget and shop the sales.

    Reply
  2. Brande

    November 22, 2013 at 3:15 pm

    The Sales are great but only buy what you need!

    Reply
  3. Kelly D

    November 22, 2013 at 3:58 pm

    My savings tip is to print percentage off coupons from online before going shopping. I always save a lot of money this way.

    Reply
  4. Lisa Brown

    November 22, 2013 at 3:59 pm

    just keep to a specific spending amount, shop sales and us coupons to help with costs

    Reply
  5. Kelly D

    November 22, 2013 at 4:01 pm

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund.

    Reply
  6. Lisa Brown

    November 22, 2013 at 4:07 pm

    i learned that I have the ability to pay down the balance on the Emerald Advance with a portion of my tax refund

    Reply
  7. Mary Happymommy

    November 22, 2013 at 4:17 pm

    I learned you can apply starting November 25th.

    Reply
  8. Mary Happymommy

    November 22, 2013 at 4:17 pm

    My saving tip is to do a secret Santa so you only have to buy for 1 person.

    Reply
  9. wendy rozema

    November 22, 2013 at 4:46 pm

    my tip is to buy things when they go on sale and have a budget and stick to it!

    Reply
  10. Jessie C.

    November 22, 2013 at 5:24 pm

    I learned that you can use your tax return to pay it back and it is year round credit.

    Reply
  11. Jessie C.

    November 22, 2013 at 5:25 pm

    My tip is to make plans ahead and compare prices before making purchases. Also when shop online via cash back links.

    Reply
  12. stephanie

    November 22, 2013 at 5:29 pm

    i look for sales

    Reply
  13. stephanie

    November 22, 2013 at 5:30 pm

    you can apply starting November 25th.

    Reply
  14. Amanda Sakovitz

    November 22, 2013 at 6:11 pm

    I only bring gift cards when I shop so I stay within my budget

    Reply
  15. Thomas Murphy

    November 22, 2013 at 6:29 pm

    Shop the sales and use coupons to save money.

    Reply
  16. Kiara

    November 22, 2013 at 6:34 pm

    My tip is to use coupons.

    Reply
  17. Debbie Jackson

    November 22, 2013 at 6:37 pm

    i shop ahead, do not use credit and concentrate on the meaning of the season.

    Reply
  18. Debbie Jackson

    November 22, 2013 at 6:37 pm

    I learned that if I would take a loan for a necessity, I could use my tax return to pay it back.

    Reply
  19. Janet W.

    November 22, 2013 at 6:53 pm

    One tip is to price compare between stores to find the lowest price possible! Also, use coupons whenever possible to save even more money!

    Reply
  20. Janet W.

    November 22, 2013 at 6:54 pm

    I learned that if I get approved, I am eligible to maintain my line of credit year-round!

    Reply
  21. Elena

    November 22, 2013 at 6:55 pm

    my tip is to shop for gifts on sale and use coupons

    Reply
  22. Elena

    November 22, 2013 at 6:56 pm

    I learned that if approved, you are eligible to maintain your line of credit year-round

    Reply
  23. Monica Jamer

    November 22, 2013 at 6:59 pm

    I suck at saving around the holidays. I have no tips other than to make what you can, make a list so you don't buy more than you need and stay away from browsing stores- get what you need and get out.

    Reply
  24. Natalie

    November 22, 2013 at 7:13 pm

    Keep a budget and don't impulse buy!

    Reply
  25. danielle lima

    November 22, 2013 at 7:39 pm

    always do your research online before you make a purchase to insure the best deals.

    Reply
  26. Danielle F.

    November 22, 2013 at 7:42 pm

    My money saving tip is to not wait until the holiday season to first start shopping for holiday gifts. To save money, shop year round for gifts here and there that you know a certain someone will love when you see a great sale/deal and then just put it away until the time is right to wrap it. This also cuts down on the stress of having to get so many gifts around the same time. Also, stick to a budget! Decide in advance how much you want to spend per person and don't go over - in fact try to find items worth the allotted amount that you can get for much less!

    Reply
  27. Danielle F.

    November 22, 2013 at 7:46 pm

    I learned that you can pay down the balance of the Emerald Advance with a potion of your tax refund.

    Reply
  28. Jennifer Marie

    November 22, 2013 at 7:50 pm

    I always look around at multiple stores to make sure I get the best deal.

    Reply
  29. Carol

    November 22, 2013 at 7:56 pm

    I look for sales and use coupons.

    Reply
  30. Carol

    November 22, 2013 at 7:57 pm

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund.

    Reply
  31. Mary Beth Elderton

    November 22, 2013 at 8:36 pm

    I like to take advantage of Amazon Prime and other free shipping offers--saves a lot of money and a lot of shopping stress!

    Reply
  32. Mary Beth Elderton

    November 22, 2013 at 8:37 pm

    I learned that you can oad funds from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access

    Reply
  33. Margaret Smith

    November 22, 2013 at 8:53 pm

    I write a budget and plan before shopping and then I try my best to stick to that budget.

    Reply
  34. Margaret Smith

    November 22, 2013 at 8:55 pm

    I learned that you can get up to $1000, all year long.

    Reply
    • Pam

      December 09, 2019 at 8:29 pm

      i honestly dont believe that. you have to pay the full amount of loan before early febuary. I been with them for 16yrs and never had all year line of credit nor was offered it. I have been approved yearly for the advance but never that. Anyways its just a scam to get customers. Question. If you need a loan how do you look giving out money. I will be going to Jackson Hewitt this year, I heard they do not ask for those requirements. But I will miss my Emerald Card, lol.

      Reply
  35. Tabathia B

    November 22, 2013 at 9:22 pm

    Not to wait until black friday for some items and to start shopping for toys when they put out the toy book, price match when possible and to use coupons if possible

    Reply
  36. latanya

    November 22, 2013 at 10:30 pm

    try to shop year round for gifts and do price comparisons

    Reply
  37. latanya

    November 22, 2013 at 10:30 pm

    The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000, depending on bank approval.

    Reply
  38. Sonya Morris

    November 23, 2013 at 12:00 am

    Make a list and stick to it and try not to buy too early because when the good sales start you will be tempted to buy more.

    Reply
  39. Gina

    November 23, 2013 at 12:04 am

    I keep track of prices starting in September, so if there's a "big ticket" item I'm looking for or a toy for the kids, I know when a sale price is a good price.

    Reply
  40. Amber

    November 23, 2013 at 12:30 am

    My holiday savings tip is to make unique homemade gifts instead of storebought ones! I'm a great baker so I end up baking stollen, panettone and other goodies!

    Reply
  41. Amber

    November 23, 2013 at 12:30 am

    I learned that once you qualify, you are eligible for the $1000 credit year round!

    Reply
  42. Soha Molina

    November 23, 2013 at 12:42 am

    I use coupons.

    Reply
  43. Wendie Lather

    November 23, 2013 at 12:48 am

    Homemade gifts can cut down on shopping expenses.

    Reply
  44. Theresa Jenkins

    November 23, 2013 at 12:59 am

    setting a budget and setting up a Christmas club so I could pay a little at a time

    Reply
  45. amy pugmire

    November 23, 2013 at 1:26 am

    I like to shop all year round whenever there is a sale that way I am not spending money or money I don't have the month before the holidays

    Reply
  46. amy pugmire

    November 23, 2013 at 1:29 am

    I learned that Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard for easy access

    Reply
  47. vera

    November 23, 2013 at 2:04 am

    I like to give myself an allowance and set money aside a few months in advance so it doesn't hit us hard since I'm a stay at home mom. Load that money to a visa gift card and when the time comes, use that and only that. It helps me stay in my budget.

    Reply
  48. vera

    November 23, 2013 at 2:08 am

    I learned that you can also use your tax refund to pay off your Emerald loan.

    Reply
  49. Claudia

    November 23, 2013 at 2:56 am

    For Gifts ,i make Personalized Coupon Gift Books ..like walking the Dog for 30 Min. free ,1 Hour Yard Work etc. I was surprised to see how many People really love to get a homemade Coupon Gift Book like that 🙂

    Reply
  50. Claudia

    November 23, 2013 at 3:09 am

    once you DO qualify, you are eligible for the $1000 credit year rounD

    Reply
  51. Jacob

    November 23, 2013 at 9:53 am

    My tip is to write a budget for each person or family you are buying for. It's real easy to spend too much on one person and then feel you have to buy more for others to make it even/fair and then suddenly you're way over budget!

    Reply
  52. D SCHMIDT

    November 23, 2013 at 10:05 am

    I try to save money by using coupons and keeping a budget

    Reply
  53. D SCHMIDT

    November 23, 2013 at 10:06 am

    Visited and learned you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

    Reply
  54. Melissa M

    November 23, 2013 at 12:06 pm

    Shop sales and start early

    Reply
  55. Melissa M

    November 23, 2013 at 12:11 pm

    I learned you can get a loan of $1000

    Reply
  56. stacey b

    November 23, 2013 at 12:40 pm

    Only buy when things are on sale! Chances are you will find what your looking for on sale

    Reply
  57. stacey b

    November 23, 2013 at 12:43 pm

    I learned that you can use your tax refund to pay towards the balance

    Reply
  58. kim

    November 23, 2013 at 1:29 pm

    Set a limit and stick to it that one more present wont mean that much in a few years but the credit card debt will

    Reply
  59. kim

    November 23, 2013 at 1:30 pm

    I learned that The Emerald Advance is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000, depending on bank approval.

    Reply
  60. Lasonda

    November 23, 2013 at 1:30 pm

    Shop the sales for the best prices.

    Reply
  61. kelley wood

    November 23, 2013 at 2:01 pm

    coupon codes for everything! plus shop thru ebates , swagbucks, etc 🙂

    Reply
  62. Cynthia C

    November 23, 2013 at 2:32 pm

    It's important to set a budget. I find it helpful to research online for the best prices.

    Reply
  63. Cynthia C

    November 23, 2013 at 2:33 pm

    I learned that you can file taxes online at H&R Block

    Reply
  64. Ann Fantom

    November 23, 2013 at 3:46 pm

    I set a dollar limit for each person before beginning shopping, make a list for each person, and then make sure I stick to it.

    Reply
  65. Ann Fantom

    November 23, 2013 at 3:52 pm

    I learned that you can apply for H & R Emerald Advance over the phone

    Reply
  66. Ashley C

    November 23, 2013 at 3:55 pm

    We use cash when we're paying for gifts, we spend less than when we use our credit or debit card

    demureprincess7(at)gmail(dot)com

    Reply
  67. Ava Ann Chavez

    November 23, 2013 at 4:20 pm

    I use gift cards when shopping so I can stay in m budget.

    Reply
  68. Ava Ann Chavez

    November 23, 2013 at 4:23 pm

    I learned that you can apply for a credit line up to a 1000 starting Nov 25th.

    Reply
  69. Amanda Hoffman

    November 23, 2013 at 4:55 pm

    shop when theres sales and use coupons when you can

    Reply
  70. Wendy T

    November 23, 2013 at 5:32 pm

    My tip is to make a list, check it twice, and do not deviate. If you do, it's impulse buying and that's what adds up to mess a budget up.

    Reply
  71. Suzanne K

    November 23, 2013 at 7:02 pm

    I set up a budget and stick to it. I also shop year round for great sales and buy them when I find them

    Reply
  72. Suzanne K

    November 23, 2013 at 7:04 pm

    I learned that You may apply in participating offices from November 25th 2013, through January 15th 2014

    Reply
  73. Nancy

    November 23, 2013 at 7:26 pm

    My tip is try to combine as many sales, codes, discounts and coupons as you can to get the price down.

    Reply
  74. Nancy

    November 23, 2013 at 7:27 pm

    I learned that the Emerald Advance will become available on November 25th.

    Reply
  75. Kathleen

    November 23, 2013 at 7:55 pm

    shop early, use coupons and shop online

    kport207 at gmail dot com

    Reply
  76. DEBIJOT

    November 23, 2013 at 10:11 pm

    My tip is to use coupons when you can and watcfh for sales.

    Reply
  77. Susan Christy

    November 23, 2013 at 10:36 pm

    Comparison shopping, ask for price matching, buy things on sale.

    Reply
  78. Pam Schad

    November 23, 2013 at 10:37 pm

    Set a budget and stick to it.

    Reply
  79. DESIREE H

    November 23, 2013 at 11:34 pm

    I save money by using coupons everywhere we go!! 🙂 It helps a lot!

    Reply
  80. DESIREE H

    November 23, 2013 at 11:37 pm

    I learned that the late fee is $7.50 and they will not charge you more than 5 per year! 🙂

    Reply
  81. Cheryl F.

    November 24, 2013 at 1:14 am

    Buy all year round during sales instead of paying premium prices at the last minute. Don't spend more than you can pay for.

    Reply
  82. Cheryl F.

    November 24, 2013 at 1:15 am

    I learned that there is a “36% Annual Percentage Rate (APR)”.

    Reply
  83. mickeyfan

    November 24, 2013 at 10:55 am

    I make a list and stick to it. It's so easy to be trapped into buying a lot of extras!

    Reply
  84. mickeyfan

    November 24, 2013 at 11:19 am

    36% interest? Ouch.

    Reply
  85. Wendy T

    November 24, 2013 at 11:23 am

    I learned there is support available on the phone, or in person.

    Reply
  86. April Brenay

    November 24, 2013 at 11:45 am

    we only get our kids clothes, grandparents do toys, aunts and uncles do books. that way we don't over spend.

    Reply
  87. Laura J

    November 24, 2013 at 2:21 pm

    I watch for all the great deals and try to start early! Then it doesnt all hit my budget at once!

    Reply
  88. Laura J

    November 24, 2013 at 2:26 pm

    I learned from the site that you have the ability to access credit year-round!

    Reply
  89. erica best

    November 24, 2013 at 6:32 pm

    shopping online helps to save on sale tax and time

    Reply
  90. Crystal Sweet

    November 24, 2013 at 8:48 pm

    I make sure to shop early...waiting until the last minute can cost you!

    Reply
  91. Crystal Sweet

    November 24, 2013 at 8:51 pm

    I learned that you can earn cash rewards with the H&R Block Emerald Prepaid MasterCard.

    Reply
  92. Beth R

    November 24, 2013 at 9:16 pm

    I make a list and do my best to actually try to stick to it!

    Reply
  93. Kyl Neusch

    November 24, 2013 at 9:16 pm

    you can pay down the balance on the Emerald Advance with a portion of your tax refund

    Reply
  94. Holly Storm-Burge

    November 24, 2013 at 9:28 pm

    In our family, we buy for the immediate family and then all of the kids in our extended families. That saves a lot over buying everyone something.

    Reply
  95. Holly Storm-Burge

    November 24, 2013 at 9:33 pm

    I learned that you can load funds drawn from your line of credit to your H&R Block Emerald card for easy access.

    Reply
  96. Katie Roch

    November 24, 2013 at 11:24 pm

    My tip for saving money during the holidays is to shop online through cash back sites like ebates.

    Reply
  97. rebecca shockley

    November 25, 2013 at 12:35 am

    Only leave the house with a set amount, if you bring something as a back-up or extra CC, that will get you in more debt everytime

    Reply
  98. rebecca shockley

    November 25, 2013 at 12:36 am

    I learned that they have an annual fee of $45

    Reply
  99. Ashley Hewell

    November 25, 2013 at 7:12 am

    I match sales with coupons.

    Reply
  100. Ashley Hewell

    November 25, 2013 at 7:12 am

    I learned there is a $45 fee.

    Reply
  101. courtney b

    November 25, 2013 at 8:04 am

    have a budget, stick to it. dont go over!

    Reply
  102. Thomas Mullins

    November 25, 2013 at 8:53 am

    Don't overspend, only buy what you and your family can handle.

    Reply
  103. Catherine

    November 25, 2013 at 9:00 am

    I learned you can choose to pay down the balance on the Emerald Advance with a portion of your tax refund

    Reply
  104. Mohammed I. Sherman

    November 25, 2013 at 10:03 am

    Wir sind nun endlich nach teetharejade.com umgezogen!We finally moved to teetharejade.com !

    Reply
  105. Lilly Campagnol

    November 25, 2013 at 1:21 pm

    I make sure to have all the sales flyers with me when I go shopping, that way I know what costs how much and where.

    Reply
  106. Lilly Campagnol

    November 25, 2013 at 1:23 pm

    I learned that the Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000, depending on bank approval.

    Reply
  107. Tarah

    November 25, 2013 at 1:53 pm

    Shop the sales & make sure you research to be sure you're getting the best deal. Also, use sites like Ebates to get money back on your purchases.

    Reply
  108. Tarah

    November 25, 2013 at 1:54 pm

    I learned that the Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval. Use it year-round for emergencies, car repairs, bills and other credit needs. Only borrow and repay the specific amount you need.

    Reply
  109. Sadie B.

    November 25, 2013 at 5:10 pm

    I save by using coupons and discount codes.

    Reply
  110. Brei H.

    November 25, 2013 at 5:18 pm

    I always look for sales, and sometimes you can pair up a sale with a coupon to score a great deal!
    Just gotta be on the lookout before you shop 🙂

    Reply
  111. Rea Liz

    November 25, 2013 at 5:36 pm

    Know exactly what you are going to buy and stick to your list.

    Reply
  112. Rea Liz

    November 25, 2013 at 5:39 pm

    I learned that The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000.

    Reply
  113. Tiffanee

    November 25, 2013 at 10:37 pm

    This would be a perfect gift for my mother!

    Reply
  114. Sarah Hirsch

    November 25, 2013 at 10:55 pm

    make a budget and don't stray from it

    Reply
  115. Sarah Hirsch

    November 25, 2013 at 10:56 pm

    i learned that you could sign up starting nov 25

    Reply
  116. Betty Baez

    November 26, 2013 at 12:49 am

    Saving tip: use cash back sites so you earn money when you shop.

    Reply
  117. Betty Baez

    November 26, 2013 at 12:59 am

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund.

    Reply
  118. Sonya Morris

    November 26, 2013 at 2:54 pm

    I learned you may apply in participating offices from November 25th 2013, through January 15th 2014.

    Reply
  119. courtney b

    November 26, 2013 at 9:19 pm

    i learned i can use my entire tax refund to pay down the balance on my acct

    Reply
  120. Lauren Olivia Wood

    November 27, 2013 at 12:18 am

    I try not to impulse buy if possible!

    Reply
  121. Louly

    November 27, 2013 at 10:33 am

    Wait for sales, Black Friday and Cyber Monday and set aside a budget and try to maximize it as much as possible w/ coupons!

    Reply
  122. Louly

    November 27, 2013 at 10:35 am

    I learned that there is a $45 Fee....

    Reply
  123. harolde

    November 27, 2013 at 11:14 am

    I shop sales only, if it's not on sale, I don't buy!

    Reply
  124. Jacob LaFountaine

    November 27, 2013 at 5:17 pm

    Tons of online coupons out there

    Reply
  125. Claudia

    November 27, 2013 at 6:22 pm

    My tip is to have a budget for gifts, shop online sales use ebates, or shop at home to get cash back on your purchases.

    Reply
  126. Geoff K

    November 27, 2013 at 8:36 pm

    I definitely recommend using Black Friday websites or apps to comparison shop for the best deals, and to use prepaid cards when out shopping so you have a limit for yourself (and you're less likely to be tempted to splurge on yourself that way!).

    Reply
  127. Jessica To

    November 28, 2013 at 4:09 pm

    I start shopping early and I watch the sale ads.

    Reply
  128. nicole

    November 28, 2013 at 4:52 pm

    check online for discounts, double savings and discount codes

    Reply
  129. nicole

    November 28, 2013 at 5:03 pm

    you can use part of your tax refund to pay it off

    Reply
  130. Kim

    November 28, 2013 at 5:10 pm

    wait for the sales!

    Reply
  131. denise

    November 28, 2013 at 7:03 pm

    Don't overbuy just because it's Christmas, don't buy stupid gifts because they are a deal.

    Reply
  132. denise

    November 28, 2013 at 7:05 pm

    I learned you can download software there.

    Reply
  133. Carolyn

    November 28, 2013 at 9:20 pm

    SHop year round sales

    Reply
  134. wild orchid

    November 29, 2013 at 6:01 am

    my tip is to set a budget ahead of time and constantly watch the sales for the best deals on the items you are looking for.
    Thanks for the chance to win!
    wildorchid985 AT gmail DOT com

    Reply
  135. April V.

    November 29, 2013 at 12:05 pm

    Shop in thrift stores, goodwill and salvation army - there are wonderful gifts out there waiting! Homemade gifts are also always welcome. Gifts of service and help especially are welcome to those without too many people to help out when things happen or need repairs.

    Reply
  136. Jennifer McCullar

    November 30, 2013 at 9:04 am

    shop online compare prices, use free shipping and discounts

    Reply
  137. Tabathia B

    November 30, 2013 at 11:36 pm

    I learned that you can use their credit year round

    Reply
  138. Theresa Jenkins

    November 30, 2013 at 11:47 pm

    The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval.

    Reply
  139. janna johnson

    December 01, 2013 at 12:02 am

    You can get up to a 1000 line of credit.

    Reply
  140. Gianna

    December 01, 2013 at 4:15 am

    If approved, you are eligible to maintain your line of credit year-round.

    Reply
  141. Geoff K

    December 01, 2013 at 6:34 am

    I learned that there's an Emerald Card Mobile Banking app for managing your account on your phone or mobile device.

    Reply
  142. Jennifer Marie

    December 01, 2013 at 11:09 am

    I learned that you can maintain your line of credit year-round if approved.

    Reply
  143. Tamar

    December 01, 2013 at 2:26 pm

    I learned that there are deals every week.

    Reply
  144. Tricia @ Night owl mama

    December 01, 2013 at 3:50 pm

    I learned that there's a $45 Annual Fee for the card and a 36% Annual Percentage Rate (APR) – Finance charge assessed on the amount drawn from your Emerald Advance

    Reply
  145. Kim Henrichs

    December 01, 2013 at 6:20 pm

    I learned that you can pay your balance down with your tax refund. Nice!

    Reply
  146. Jacob

    December 01, 2013 at 8:10 pm

    I learned you can use your tax refund to pay towards the balance

    Reply
  147. Wild Orchid

    December 01, 2013 at 8:19 pm

    I learned that with this you can access to credit year-round.

    Thanks for the chance to win!
    wildorchid985 at gmail dot com

    Reply
  148. Amanda Sakovitz

    December 01, 2013 at 8:32 pm

    I learned you need a Current earnings statement to apply

    Reply
  149. DEBIJOT

    December 01, 2013 at 8:48 pm

    I learned that Emerald Advance became available on November 25.

    Reply
  150. Ben G

    December 01, 2013 at 9:10 pm

    I learned that I may use this year round.

    Reply
  151. Rebecca Orr

    December 01, 2013 at 9:36 pm

    I learned that they have a mobile banking app for those with an account.

    Reply
  152. Erica Best

    December 01, 2013 at 9:45 pm

    u can used the the card all year long

    Reply
  153. Janice Cooper

    December 01, 2013 at 10:08 pm

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund

    Reply
  154. juanita may

    December 01, 2013 at 10:22 pm

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund.

    Reply
  155. Brei H.

    December 01, 2013 at 10:42 pm

    I like the 'Manage your Health' section. Great info on there!
    Thanks for the giveaway!

    Reply
  156. Stefany

    December 02, 2013 at 12:10 am

    While sales are good, you have to have a budget and buy only what you need.

    Reply
  157. Kimberley Meier

    December 02, 2013 at 2:01 am

    I learned that you can apply for up to $1000 and use your return to pay it off!

    Reply
  158. ellen casper

    December 02, 2013 at 10:35 am

    l learned that you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund

    Reply
  159. jenna d

    December 02, 2013 at 2:34 pm

    I learned that you can get a $1000 worth of credit

    Reply
  160. soha molina

    December 02, 2013 at 2:37 pm

    Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access.

    Reply
  161. Jean

    December 02, 2013 at 4:15 pm

    I learned that there is a small fee ($45) to get set up. Important to be aware of the true cost of your credit.

    Reply
  162. Sahara R

    December 03, 2013 at 11:14 am

    The Emerald Advance is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval. I did not know anything about the services until now.

    Reply
  163. Daniel M

    December 03, 2013 at 8:32 pm

    learned you can use the credit year round

    Reply
  164. Jodi Goins

    December 04, 2013 at 2:25 am

    i learn you can use it all year long and even get a loan.which would help a lot of folks right now around this time of year!

    Reply
  165. caliandro simona

    December 04, 2013 at 6:53 am

    Ho imparato che il mio metodo era già buono quindi più che altro ho avuto la conferma che lo fosse

    Reply
  166. Jeni Lutz

    December 04, 2013 at 7:47 pm

    I learned that you can use your credit all year

    Reply
  167. Tanya White

    December 04, 2013 at 8:25 pm

    I learned that if approved, you are eligible to maintain your line of credit year-round.

    Reply
  168. Christina Sparks

    December 05, 2013 at 1:13 am

    I learned that you can earn cash rewards on the Emerald card.

    Reply
  169. courtney b

    December 05, 2013 at 8:59 am

    i learned you can even do your taxes online 🙂

    Reply
  170. nickie

    December 05, 2013 at 9:16 am

    My tip is to use coupons.

    Reply
  171. Tiffany Hearn

    December 05, 2013 at 9:35 am

    I like that you can repeatedly borrow and repay.

    Reply
  172. Michelle S

    December 05, 2013 at 9:54 am

    This card costs $45/year.

    Reply
  173. Patrice Roussell

    December 05, 2013 at 10:51 am

    I did not knowH&R Block had this. I would love to win and help out my Holidays.

    Reply
  174. Gwen B.

    December 05, 2013 at 12:53 pm

    I learned that there's a credit line available year round.

    Reply
  175. Heather B

    December 05, 2013 at 1:27 pm

    I learned that you can use your tax return to pay down your balance

    Reply
  176. joseph gersch

    December 05, 2013 at 2:05 pm

    i learned you can file online

    Reply
  177. Karen Drake

    December 05, 2013 at 2:20 pm

    I learned I can use the Emerald Advance line of credit year round and I can pay it off with my tax refund.

    Reply
  178. melissa Resnick

    December 05, 2013 at 3:07 pm

    had no idea that u can get a loan there

    Reply
  179. Marcia Goss

    December 05, 2013 at 4:04 pm

    You can load money from your line of credit onto a prepaid card.

    Reply
  180. Crystal F

    December 05, 2013 at 5:19 pm

    I found out that you can have your paycheck directly deposited onto H&R Block Emerald Prepaid MasterCard. thank you!

    Reply
  181. Paula Tavernie

    December 05, 2013 at 5:26 pm

    I learned you can use it year round!

    Reply
  182. Susan Smith

    December 05, 2013 at 5:51 pm

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund.

    Reply
  183. Julie Lawson

    December 05, 2013 at 6:30 pm

    You can use your tax return to pay towards your balance.

    Reply
  184. jules m.

    December 05, 2013 at 6:35 pm

    i love that the advance is available to you year round

    Reply
  185. laurie

    December 05, 2013 at 7:59 pm

    i learned you can use this program year round

    Reply
  186. tina d reynolds

    December 05, 2013 at 8:28 pm

    after your initial approved you can access your credit year round when you need it

    Reply
  187. Angela Winesburg

    December 05, 2013 at 8:29 pm

    I learned that if I get approved, I am eligible to maintain my line of credit year-round!

    Reply
  188. mary renshaw

    December 05, 2013 at 8:43 pm

    I use coupons and check ads and even use ebates!!!! I love saving money

    Reply
  189. RICHARD HICKS

    December 05, 2013 at 9:49 pm

    I learned it gives you Access to credit year-round

    Reply
  190. Thomas Murphy

    December 05, 2013 at 10:08 pm

    I learned If approved, you are eligible to maintain your line of credit year-round.

    Reply
  191. Riki D

    December 06, 2013 at 1:23 am

    Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

    Reply
  192. Denise Donaldson

    December 06, 2013 at 2:49 am

    I learned it is a year round line of credit

    Reply
  193. Shannon

    December 06, 2013 at 4:09 am

    I learned that there is a minimum monthly payment of $25 or 4% of the outstanding balance, if greater.

    Reply
  194. melina r

    December 06, 2013 at 7:45 am

    I learned the I can qualify for up to a $1000 credit line and be able to pay it off with my tax refund.

    Reply
  195. mary renshaw

    December 06, 2013 at 8:03 am

    I learned that they will review previous tax years!!!!

    Reply
  196. Stephanie Larison

    December 06, 2013 at 9:06 am

    If approved, you could be available for credit year round.

    Reply
  197. Stephanie Larison

    December 06, 2013 at 9:06 am

    If approved, you could be available for credit year round. That would definitely come in handy in those tight budget moments.

    Reply
  198. Josh Turner

    December 06, 2013 at 11:26 am

    That it gives you acess to your credit year round

    Reply
  199. JoAnn F

    December 06, 2013 at 12:11 pm

    I learned that you can save money by keeping a budget !
    jofo120 at yahoo dot com

    Reply
  200. Julie Hawkins

    December 06, 2013 at 4:50 pm

    I learned you can use this for emergencies and pay it down with your tax refund

    Reply
  201. Breanne

    December 06, 2013 at 5:13 pm

    You can use it year round

    Reply
  202. Sharon

    December 06, 2013 at 6:51 pm

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose!

    Reply
  203. Sarah Marshall

    December 06, 2013 at 7:13 pm

    I learned that you can manage the card account online! That's great, I do everything online!

    Reply
  204. Heather Hayes Panjon

    December 06, 2013 at 9:15 pm

    I Learned That I Can Use My Tax Refund To Pay On The Balance Of The Emerald Advance

    Reply
  205. Rajee P Pandi

    December 06, 2013 at 9:46 pm

    Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access.

    Reply
  206. Ellie W

    December 06, 2013 at 9:56 pm

    I learned that The Emerald Advance is a year-round line of credit.

    Reply
  207. Bryan E.

    December 06, 2013 at 10:04 pm

    Thanks for the giveaway…Cardholders have the ability to pay down the balance on the Emerald Advance with a portion of their tax refund, if you so choose

    Reply
  208. Sand

    December 06, 2013 at 10:05 pm

    I learned that If approved, you are eligible to maintain your line of credit year-round.

    Reply
  209. Christian Alejandro

    December 06, 2013 at 10:14 pm

    I like that it runs and is available all year.

    Reply
  210. Barbara Montag

    December 06, 2013 at 10:35 pm

    I learned that you have credit all year around - thank you.

    Reply
  211. Buddy Garrett

    December 06, 2013 at 10:38 pm

    I learned credit is available year round.

    Reply
  212. Wendy McBride

    December 06, 2013 at 10:55 pm

    I learned that Emerald card lets you borrow a line of credit up to 1000 year round with bank approval.

    wendym at cableone dot net

    Reply
  213. Melanie Montgomery

    December 06, 2013 at 11:08 pm

    You can use it year round.

    Reply
  214. Leslie L Stanziani

    December 06, 2013 at 11:14 pm

    I learned that you can pay it back with your tax return.

    Reply
  215. CharityS

    December 06, 2013 at 11:21 pm

    Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access.

    Reply
  216. Ashley Smith

    December 06, 2013 at 11:30 pm

    I learned that with the Affordable Care Act tax issues there is assistance available from H&R Block at no additional cost

    Reply

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Welcome!

Welcome to Mommy Musings™ - I'm Stefanie Fauquet and my passions are food & family travel! I regularly share easy recipes and travel tips to inspire families to create a life they love...one that's full of delicious food and incredible adventures!

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