How to find an unauthorized charge on your credit card

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When you’re going through your credit card statement and you see an odd purchase amount or company name that you can’t place, it’s possible that at best you’ve simply forgotten what you have. purchased, or in the worst case, your card number has been stolen. Often mysterious card charges are recurring payments (such as subscriptions) that you forgot, valid (but still surprising) charges, or lines that appear under merchant names that don’t match the companies you’ve been with. made purchases, such as parent company or payment. processor. For example, TCT* Most likely refers to Toast, the point of sale system used by many restaurants. Less often, but more seriously, the accusation is outright error or fraud. Here’s how to understand it and what to do in case of unauthorized charges.

Use WhatsThatCharge to decipher mysterious credit card charges

First, you should probably check your credit card and bank statements from time to time for unknown charges. If you see something you don’t recognize, obviously start by thinking back to what you were doing on the day or two the purchase was made, because it’s possible you just forgot you bought coffee or ordered something online.

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Other places to check are further down your statement history for similar charges that may show recurring subscription payments (APL*ITUNES.COM/BILL, for example) or charges, as well as any other person authorized to use your account, whether a joint user or member of a family plan associated with your card.

If that doesn’t get you anywhere, copy the entire line item into Google to see if someone else has investigated the charges and identified the company or payment processor. WhatsThatCharge.com is a crowdsourced credit card charge database where you might find more information. From there, the next step is to call your card issuer to clarify the charges. They may be able to research the merchant on their end.

How to File a Credit Card Fraud Claim

If, after investigation, you believe that the charge to your card is fraudulent, you should initiate the complaint process with your card issuer. You can usually do this over the phone by calling the number on the back of your card or through your online account.

Your card issuer will cancel your existing credit card and send you a new one. You’re not responsible for more than $50 in fraudulent purchases — and none of what’s charged after you report it — and some credit cards offer additional liability protection for fraud.

Note that this is different from a dispute, which allows you to rectify a billing error such as being overcharged or billed more than once for the same purchase. Disputes must generally be filed within 60 days of billing.

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