You get your tax refund and you fully intend on using it to pay off your balance. However, you went to the eye doctor and you need glasses. In order for you to pay for the doctor's visit and your new glasses, you have to use your refund because your insurance doesn't cover eye care yet. What will you do? I have no choice. Use my refund for the eye doctor and pay the minimum payment due on the credit card. I have no choice. Use my refund for the eye doctor and sacrifice going out with my friends this week so I can pay at least half the balance on the credit card.