Tax Returns: Nothing, a new DAC or... ?

Oh, Erik....get a load of this, meanwhile....*L*

Scary....*L*

Bearing in mind that with inflation (as has been mentioned elsewhere here recently), that dosh will buy you much less in the foreseeable future.  

@erik_squires where are you in SC? I am in Columbia. - Louis

To begin with, pay off credit cards, then apply for one of the zero interest rate credit cards for a period of 12 to 18 months, or as I did, I found the most favorable interest rate through https://hurtigudbetaling.dk/ to give as little interest as possible. Then buy the DAC of your dreams that you've wanted for so long, and you'll have a year to pay for what you bought it for. Loans are a banking product, and they can be profitable and useful if you approach the procedure wisely. In general, you need to take a loan when required. You should not use this service when you want to live "beautifully." For example, you can save up or earn extra money for the desired thing.

A lot of good info here. Since tge original question is about tax returns and credit cards, I will point out that if you usually have CC bills and usually get back $5000 for a return, then you should really change your withholding amount to actually have the cash to pay for things you otherwise use the CC to purchase.  This way, you don't pay interest on your CC throughout the year while you are lending your money to the government interest free. Your scenario is a perfect example of this.  

In essence, all the CC interest you paid this year could have been avoided if you did the above. It's your money, take it as soon as possible.  Don't lend it out the whole year to the government while paying CC interest. Change your withholdings.  Good luck.