I had forgotten that my Fidelity Rewards had been directed into my Trad IRA, which was fine in previous years when I was eligible for IRA contributions. As it now turns out I am ineligible for Trad IRA contributions in 2024. (Amidst 2024, I converted a high amount of Trad to Roth, which apparently put me over the Contribution limits for Trad IRA.
I have $714 needing to be either Recharacterized or Converted. Might this be resolved as simply as I made previous Roth conversions on Fidelity's site? In other words, simply convert $714 out of the Trad and into the Roth? Or does the fact that I would be converting Trad IRA contributions made in 2024 AFTER 12/31/24, create a problem? Or are Roth conversions for 2024 taxes allowable up through 04/15/25?