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H &R Block is only offering the Emerald Advance to existing customers this year. There is a catch to it though. Starting this year, they run a credit check on you. You will receive your answer within 5 minutes. You can be turned down for this emerald advance based on your credit history.

I have been a loyal customer for over 10 years and I was turned down for the advance because of my credit. I guess I will look elsewhere to have my taxes done this year.

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Q: Can you get the emerald card from h and r block if you are a new customer?
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