<prompt> Human: Ive always been told, you dont want to owe the IRS.So Ive always filed low on my W4 0-2 and always end up with a decent size return. I dont need rhetoric about giving the government a free loan, etc etc. But I do have a question.Whats stopping me from claiming 10-15 allowances on my W4, taking the extra per paycheck and putting it into a savings or some other account with high fluidity, then when the tax bill comes around, paying the tax bill with a points-reward credit card and then paying the card in full?I am aware that savings accounts are very low interest rates. My question mostly is in regards to getting a very large lump sum of reward points on a credit card for money you could technically already have.  <response>: Not only are there fees for paying with the credit card, there are penalties for under-withholding. 