If you know enough about the law to rely on the Earned Income Tax Credit to pay off you credit cards, why don't you just reduce your withholding. Now the 'refu

If you know enough about the law to rely on the Earned Income Tax Credit to pay off you credit cards, why don't you just reduce your withholding. Now the 'refund' turns out to be a paperwork exercise and you have the money as soon as you earn it. 'Nothing Burger'. Maintaining the integrity of our tax code inconveniences some. But benefits all.