No matter how badly you may need the money NEVER use the HR Block tax refund advance-The Emerald Card. You will NOT be advised of ALL the charges you could incur and the charges they do tel you will not reflect the correct amounts. You will NOT be advised of the payoff procedures. Facing a financial jam, I obtained an Refund Advance from HR Block-The Emeral card. I spent an hour at the initial visit as the procedure was "new" to the reps. I should have known then. I had to return to the office and at that visit was given... read full review »