PDF Use the line of credit year-round - H&R Block
Use your Emerald AdvanceSM line of credit year-round.
If you pay your balance down to $0 by Feb. 15 each year and meet other requirements, you could have access to your line of credit year-round for unexpected expenses and other needs.
Nov. 15, 2022 ? Jan. 7, 2023 APPLY FOR THE EMERALD ADVANCESM LINE OF CREDIT.
Get same-day access to funds upon approval. Be better prepared for unexpected expenses. Tap into extra funds as needed.
Nov. ? Jan. USE YOUR LINE OF CREDIT AND MAKE MONTHLY PAYMENTS.
Draw available funds from your line of credit at emeraldcard or download and log onto the MyBlock Ap.p
Each month, you'll receive a monthly statement notifying you of your required minimum payment amount and due date. One requirement for year-round eligibility is to make on-time minimum monthly payments.
Jan. 27 ? Feb. 15 ANNUAL RESTING PERIOD AND REQUIRED PAY DOWN TO $0 BY FEB. 15.
This ensures you're not using short-term credit to meet long-term obligations: There is an annual resting period from Jan. 27 ? Feb. 15 during which draws cannot be made from your line of credit. There are multiple ways to pay down your Emerald Advance. For instance, if you choose to have your taxes prepared by H&R Block, you can use a portion of your tax refund to pay down your line of credit.
After Feb. 16
Approved Unsecured ? Made and continue to make on-time monthly payments.
Approved Savings-secured ? Made and continue to make on-time monthly payments. ? Open and/or fund your Emerald Savings account for year-round acce.ss
*If approved for an H&R Block Emerald Advance?, your credit limit could be between $350-$1,000.
H&R Block Emerald Advance? line of credit, H&R Block Emerald Savings? and H&R Block Emerald Prepaid Mastercard? are o ered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard International Incorporated. Emerald Advance , is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. O ered at participating locations. Promotional period 11/15/2022 ? 1/7/2023. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. OBTP# B13696 ?2022 HRB Tax Group, Inc. Access to the line is dependent on when the savings account is funded. Savings account must be funded by April 1.
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