Guides

How to find subscriptions on a credit card statement

A subscription on a statement is a store or service that charges you again. It is not a bank fee, and it is not automatically a mistake.

What a repeating charge looks like

Look for the same store name, a similar amount, and a gap of about a month. A yearly plan shows up once, often near the date you signed up, and then does not show up again for about a year. Write the name exactly as it is printed. The name on the statement is often shorter than the brand you remember.

A free trial that converts is a new charge from a merchant you used once. Search the statement for that name before you decide it is unfamiliar.

App stores hide more than one service

Apple, Google, and similar bills can put several subscriptions under one name. The statement shows the store, not always the app. Open the store's subscription list if you need the breakdown. The statement still tells you the date and the total.

A bank fee has words like fee, interest, overdraft, or NSF (not enough money), and it comes from the bank or card company. A subscription comes from a store or service. Keep them separate. If you mix them, both lists are harder to use.

What to do with the list

If you meant to pay it, you can leave it. If you did not agree to the charge, the company that bills you is usually the place that can stop the next one. Asking the bank to dispute a charge is for a charge you did not authorize, not for a plan you signed up for and forgot.

In Expenvo, turn Mark as a subscription on beside a charge to keep that name on your list, including later charges from the same name. Turn it off if it is not a subscription. Expenvo does not tell you to cancel, and it does not count those charges as savings.

Get started