H&R Block provided a gift card to facilitate this review. All opinions stated are my own.
Need extra money for your holiday shopping? H&R Block has you covered with their Emerald Advance line of Credit!
We have a lot of kids in our family, which means we are buying a lot of gifts. One of the things I try to do is start shopping in early November and pick up a few gifts each week, so that our budget does not get overwhelmed. Also, putting away money each month is preparation also helps.
But, just in case you need a little extra cash this year for gifts or travel, H&R Block can help. Starting on November 25th, H&R Block will begin excepting applications for the Emerald Advance Line of Credit in their offices, but you can make an appointment now. If you plan to apply, make sure you have: an unexpired government issued photo ID and your most recent pay stub. This Line of Credit, which has a $1000 maximum, can be drawn from as needed year round, and you don’t even have to be an existing H&R Block client to apply.
I think organization is key, when it comes to the holidays and trying to stay within budget. When my husband and I start shopping, we begin with making a list of all the people we have to buy for and a dollar value for what we are planning to spend. For the most part, this works really well, and keeps us in check. We also set a price limit for each other, so that we don’t go overboard.
How do you handle the financial crunch of the holidays? If you are looking for more suggestions, check out the H&R Block site where you can learn more.
Could you use a little extra cash this Holiday season? I know silly question! But, the great news is H&R Block is offering one lucky reader a chance to win a $300 H&R Block Emerald Master Card! For your chance to win, just follow the Rafflecopter Rules below.
DISCLOSURE: 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.
Cynthia R says
I learned your funds are put in a mastercard for easy access.
Nataly Carbonell says
I learned that I am able to pay down the balance on the Emerald Advance with a portion of my tax refund! ;D
Katie Roch says
I learned that you have the choice to use a portion of your tax refund to pay down the balance.
Ava Chavez says
You can get up to $1000 line of credit and keep it all year.
soha molina says
Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access.
Heather Hayes Panjon says
I Learned That Consumers Have The Option To Pay Down The Balance Of The Emerald Advance Card With Tax Returns.
Wendy Rozema says
i learned there’s a $45 annual fee
Amanda Hoffman says
The Emerald Advance is a line of credit you can draw from as you need it. You can use it year-round for unexpected expenses and other short-term credit needs. my tips is to look for sales use coupons and budget year around
Nancy says
I learned that the Emerald Advance will become available on November 25th.
Wendy T says
I learned it’s basically a borrow and repay system of credit that you can use and reuse as needed.
Mahdi Martin says
The Emerald Line of Credit is great for when things break down, and they always do. We could have used this when our AC unit went out. Still could.
Betty Baez says
I learned that once approved you are eligible to maintain your line of credit year-round.
David Holder says
I learned you may apply in participating offices from November 25th 2013, through January 15th 2014.
Jeanna says
I learned that it is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000!
Carol says
I learned that once approved you are eligible to maintain your line of credit year-round.
Grace A says
I learned that once you are approved, you are eligible to maintain your line of credit year-round!
Grace A says
The annual fee is $45!
Kyl Neusch says
there’s a $45 annual fee
Jacob says
You can use your tax refund to apply directly towards your balance
Crystal Sweet says
I learned that you can earn cash rewards with the H&R Block Emerald Prepaid MasterCard.
Holly Storm-Burge says
I learned that you can load funds drawn from your line of credit to your H&R Block Emerald card for easy access.
Ashley H says
I learned you can use it throughout the year.
Michelle P says
I learned that you can get an electronic statement – no extra paper in the mailbox.
Sadie B. says
I learned you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund.
Joel says
I learned that there’s a $45 annual fee.
Allison Downes says
I learned that if approved, I am eligible to maintain my line of credit year round!
Thank you for the wonderful giveaway!
rebecca shockley says
I learned that they have an annual fee on the card of $45
McKim says
The money is available year round.
Anne says
I learned you can use your tax refund to apply directly towards your balance
Lauren-Olivia Wood says
I learned that it can be used through January!
Louly says
There’s a 36% APR
shaunie says
I learned that you can you can borrow and repay up to $1000 and available all year round
Jacob LaFountaine says
It has a $45 Annual Fee which I’m not happy with
Geoff K says
I learned that you have a lot of options for repayment, including allocating a part of your tax return, which is awesome!
Virginia Rowell says
I learned that you have access to credit year-round.
Jodi goins says
I love you can use it year around.love they get you more money then any one else!
Tamar says
You can get new rewards every week.
Jessica To says
I learned you can use the line of credit all year long.
kathy dalton says
I learned that it is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000!
Kim says
If approved, you are eligible to maintain your line of credit year-round127. Be prepared when the unexpected occurs.
Sarah Hall says
With it, you have access to credit all year.
ellen beck says
I learned you can use your tax refund to pay down the balance.
wild orchid says
I learned that H&R Block Emerald Cash Rewards® are loaded instantly on your Emerald Card for making everyday purchases.
Thanks for the chance to win!
wildorchid985 AT gmail DOT com
April V. says
You can pay back monies borrowed via the card with your tax return.
Kim Henrichs says
I learned that it’s already available to pick up as early as this past Monday!
Staci A says
I learned that you can pay back some of the money using your tax return.
Kimberly Kihega says
I learned that there is an annual fee of $45.
Erica Best says
i learn that u can used the money all year long
christine jessamine says
I love that you have access to it for the full year round cycle
janna johnson says
You can get up to a 1000 loan