Why is it asking for my credit card if it offers to deduct the payment from my refund?

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Why is it asking for my credit card if it offers to deduct the payment from my refund?

Start the FILE tab again from step 1 ... make sure to pick the correct box to have the fees withheld if available ... be aware that this option adds an EXTRA $39.99 ($44.99 in CA) to the regular TT fees.

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