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@willdewmag wrote:

So... I'm on a screen that I haven't seen before and forced to choose "pay with Credit Card" or "pay with refund."

You're saying that if I don't have a refund, it won't charge me?


No.  There is a $25 fee to efile the state return whether you have a refund or a tax due.    You can pay the $25 with a credit card OR  you can have it deducted from your Federal refund.  But if you have it deducted there is an EXTRA $40 Refund Processing Service charge.  Which would be $25+40 = $65.    So pay it with a credit card.  

 

Or you can print and mail the state for free.