Sorry. Yes you have to go slow and read all the screens and watch what you click on. People get going too fast and clicking on the right corner box to continue. But you have to click on the left box to pay with a credit card to avoid the fee. See the very last post with screenshot on this one
https://ttlc.intuit.com/community/taxes/discussion/why-can-t-i-remove-premium-service-benefits-from-...
And by the way, you don't get one free state filing. In the Desktop program you get one free state PROGRAM download to prepare unlimited state returns. Then each state return (including the first one) is $20 to efile, usually goes up to $25 March 1. Or you can print and mail state for free.
