I pressed pay with refund and it is still trying to make me pay with my card

[robtm]

TT wants to get paid. They use your credit card for backup in case something goes wrong with your refund and they can't deduct your payment from it.

[DaveF1006]

It depends.  Here are some possible reasons.

1. Insufficient Refund Amount: If your federal refund isn't enough to cover the TurboTax fees and the additional processing fee for using "Pay with Refund," the system may default to asking for a credit card. TurboTax does charge $40 for you to pay with your refund in addition to the normal fee for using the product. 
2. Filing Type: If you're filing a paper return, using a foreign address, or filing only a state return after already filing your federal return, the "Pay with Refund" option might not be available.

You might consider paying with your card to avoid the $40 fee for having the TurboTax fee deducted from your refund.