It depends. Here are some possible reasons.
- Insufficient Refund Amount: If your federal refund isn't enough to cover the TurboTax fees and the additional processing fee for using "Pay with Refund," the system may default to asking for a credit card. TurboTax does charge $40 for you to pay with your refund in addition to the normal fee for using the product.
- Filing Type: If you're filing a paper return, using a foreign address, or filing only a state return after already filing your federal return, the "Pay with Refund" option might not be available.
You might consider paying with your card to avoid the $40 fee for having the TurboTax fee deducted from your refund.
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