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The Emerald Card is a debit card that is used by H&R Block. Tax refunds can be direct deposited to the card. It is not a credit card--you spend according to the balance on the card. The H&R Block website has the information you need.

As always, it is a good rule of thumb to avoid spending money ahead of having it. That is, because it tends to leave you behind the eight ball with no rainy day money. Delay the expenditure until the money actually comes in. This will also save you financing and other fees that the loan would cost.

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Q: What do you need to get the early loan on your tax return with the emerald card?
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