I do not want to pay to have the charge for prep deducted from my return. I would like to pay by using my credit card
That's good. Then you will save the 39.99 Refund Processing Service charge (44.99 in California)!
How to pay the fees
https://ttlc.intuit.com/questions/4296537-how-can-i-pay-for-my-turbotax-online-fees
Or you can say you want to print and it will make you pay first.
Found another link for how to Remove Pay with Refund fee