If you were using the TurboTax 2022 desktop CD/Download editions there is no fee for e-filing the federal tax return so you would have received the federal tax refund by direct deposit without using a credit card or the refund processing fee.
There is a $25 e-file fee for the state tax return when using the TurboTax desktop editions. But you could have printed and mailed the state return thus avoiding the credit card situation and the $40 refund processing fee.
