My son was also scammed by H & R Block and their Emerald Card. He was never told at the time of having his taxes done that the $57 fee they charged in order for him to have part of his refund posted on the card within one or two days was actually an application fee for a loan that he could be denied for. He was obligated to have his taxes done there because he had gotten an "Anticipation Loan" based on their estimate of his refund. The loan is due on the 15th. He had his taxes prepared (they charged $333 to do his simple return) in plenty of time for his refund to pay the loan if it would have been credited in the 1 or 2 days he was promised (and paid the $57 fee for). Three or four days later he tried to use his Emerald Card and the transaction was declined. When he called the 800 number on the card he was told that the bank had denied him access to his own money. What the heck is up with that? Now he's in the position (even though he had his taxes prepared before the Feb. 10th deadline they gave him when he took the loan) that his refund will not be posted in time to make the payment on the 15th, and he will be charged some exorbitant interest rate. My advice, stay as far away from H & R Block as you possibly can. The fact that they are preying on the very people the government is trying to puch through legislation to help is reprehenisble, and they are no better than common thieves.