Warning signs
- You have never used the merchant or payment provider before
- The descriptor does not match any account, subscription, or household activity
- There are multiple small test charges followed by larger ones
- The charge appears from a country or merchant context that makes no sense for you
What to do first
- Freeze or lock the card if your bank supports it
- Check merchant accounts tied to the descriptor
- Change passwords for relevant payment services
- Contact the bank if the charge remains unauthorized