Can money be taken from my return of I owe money to my credit card?

andrewc94 — Mon, 23 Feb 2026 09:47:23 GMT

Return was smaller than last year and the only difference is the credit card.

Re: Can money be taken from my return of I owe money to my credit card?

xmasbaby0 — Mon, 30 Jan 2023 00:05:21 GMT

refund offset.

https://www.irs.gov/uac/tax-refund-offsets-pay-unpaid-debts

IRS Treasury Offset Program Call Center at 1-800-304-3107

https://www.irs.gov/uac/tax-refund-offsets-pay-unpaid-debts

https://ttlc.intuit.com/community/refunds/help/what-is-a-refund-offset/00/26301

Reduced Refund https://www.irs.gov/taxtopics/tc203

NOTE: You can contact the IRS Treasury Offset Program Call Center at 1-800-304-3107 to ask if they have an offset for you on file. TurboTax would not have that information.

https://turbotax.intuit.com/tax-tips/tax-payments/who-can-garnish-an-income-tax-refund/L7cPPzDyc

Re: Can money be taken from my return of I owe money to my credit card?

xmasbaby0 — Mon, 30 Jan 2023 00:08:09 GMT

@And...are you talking about your 2022 refund being less than your 2021 refund? Your credit card has nothing to do with that. Lots of people are getting lower refunds this year for various reasons including some big changes in the tax laws.

We cannot see your screen, your return or your account. Have you entered ALL of your 2022 information? All your income, etc.? Many tax documents that you need do not arrive until late January or even February, so maybe you do not have it all there yet.

There is no recovery rebate credit (stimulus $) for 2022. The childcare credit is not refundable. The child tax credit is different. And for some people, earned income is different because there is no “lookback” to an earlier year. Those are some of the reasons your refund may be less.

There are a lot of variables that affect your refund or tax due including how much you earned, how much tax you had withheld, your filing status, the number of dependents you claim, your deductions and credits, etc. You may have lost Earned Income Credit or the Child Tax Credit— did a child turn 17? If you received the EIC last year, remember that changes in the amount you earn have a big effect on the amount of EIC you can get. (Sometimes earning more money means less EIC) Are you 65 or older ? If so, your standard deduction is higher. Everyone has a higher standard deduction now so it is harder to use itemized deductions.

@andrewc94

And…..the child tax credit is very different for 2022 For 2021 you could get $3600 for a child under 6 or $3000 for a child between 6 and 17 even if you had no income/did not work. That is NOT the way it will work for your 2022 tax return. The “old” rules are back. The maximum amount of the child tax credit is now $2000; the refundable “additional child tax credit” amount is $1500. In order to get that credit, you have to have income from working. The credit is calculated based on the amount you earned above $2500 multiplied by 15%, up to the full $1500. If your child is older than 16 at the end of 2022, you do not get the CTC. But you may still get the non-refundable $500 credit for other dependents instead.

And of course, always check your own data entries, looking for errors such as misplaced decimals or extra zeros.

https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-go-compared-last-year/L97JmhUbi_US_en_US?uid=ld9ijm41

Print out 2021 and 2022 and compare them side by side to see what is different.

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Can money be taken from my return of I owe money to my credit card?

Re: Can money be taken from my return of I owe money to my credit card?

Re: Can money be taken from my return of I owe money to my credit card?