The desktop version can be used as "signed in" or "signed out". Are you signed into your desktop product using your Intuit Account ID? I wonder if there is credit card information saved in your Intuit Account, and it's trying to access that? Maybe there's old payment information there. I don't know if that would be a reason; I'm just thinking out loud. I'll tell you how to check below.
I realize you don't have a Federal refund, but if you did, it would charge you an extra $40 to pay any fees out of the Federal refund ($45 for California filers). So you are saving money by having no refund and paying with card.
Are you using the Windows or Mac version? In the Windows version to have your desktop product sign into your Intuit Account you can go to top TurboTax bar and click FILE menu, and in dropdown "Sign In." I'm not sure where the "Sign in" is on the Mac version. You can see there if you are "signed in" or "signed out." Signing in only connects you to the Account, but does not reach the Account Settings dashboard, however. To do that, you also need to look as below:
To look to see if your payment info is saved in the Intuit Account, you'd have to log into your Intuit Account through a browser, and in left menu column scroll down to click Intuit Account. Then look at the payment settings to see if anything is stored there.
