The reason why everyone in America took advantage of the Emerald Card was because they could have extra money for the holidays. It was a big success in 2007. Now, in 2008 everyone that done the Emerald card in 2007 are recieving letters to come back and do this advance again. There is some changes in the process that H&R Block failed to tell the returning tax payers, you must have good credit. I just could not understand why they failed to inform us of this change. The main reason why most tax payers are getting the advance is because of bad credit and are not able to get the extra money for the holidays, but I guess the little people are left out on the hoildays. This is really going to boost the economy. Not!