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Here's how you can update a declined credit card through your Intuit account.    Did the replies above answer your question? If so, select “Mark as Best Answer” to help others find this thread. Respond below with any follow-up questions so we can point you in the right direction.  If you’d like to change subjects, Select a Topic and find the button to Post your Question.  Thanks for joining the community, @hedia2004! 

@grandma10  You will have to contact TurboTax support for assistance with this problem.  See this TurboTax support FAQ for contacting support - https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/turbotax-phone-number/L0Od33nMQ_US_en_US?uid=lfgviwbm

The TurboTax Flex Loan Advance is no longer available.  Only the TurboTax 2025 Tax Refund Advance is available.   You cannot sign up for a loan.  The refund advance loan will be offered to you if you are eligible and only when you have completed your 2025 tax return that has a federal tax refund.   The TurboTax 2025 tax refund advance will not be available until after January 1, 2026 TurboTax support FAQ for the 2025 tax refund advance - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-advance/L52Mg0G5u_US_e...  

For a few weeks, TurboTax was offering a “Flex Advance” loan, but that program has now been permanently closed for the rest of the year.   In January there will be a refund advance loan that you can get when you are ready to file; no money is issued to you until your e-file is accepted by the IRS.  The IRS will not begin to accept 2025 e-files until late January.

So, is the intent to make Step 1 be the amount that is exempt from NII and Step 2 is the amount that is totally subject to NII?  Isn't that going to cause a conflict versus the numbers on the forms the broker will send me after I see the stock and, if so, are you saying it doesn't matter?   Separately, I am not sure you correctly described the mechancs of Step 1.  Suppose the stock at NUA time was worth $600k and the cost basis was 100k, so the NUA is 500k.  It seems that your Step 1 says to use 500 - 100 = 400k as the entry not subject to NII, but I would think it is the entire 500k that is not subject to NII.   After we get through this, I will need to adjust for the fact that I am not selling all the stock in one year (and that i probably want to avoid selling the shares due to reinvested dividends after the NUA date, but let's table that for the moment.   Thanks again for all your help!