Check Your Credit Card Statement

We have received consultations regarding unfamiliar transactions appearing on people’s credit card statements. In the event that this happens to you, contact your credit card company immediately and ask them to investigate the matter.If the investigation reveals any unauthorized use by a third party, the transaction will be removed from your account. However, if a long period has already elapsed by the time you raise the issue, it becomes more difficult to solve .

「クレジットカードの利用明細に覚えのない請求があった。」との相談がありました。この場合は早急にカード会社に申し出て、調査を依頼しましょう。

カード会社の調査等により、第三者による不正利用だったことがわかれば請求が取り下げられます。しかし、申し出るまでに長期間経過していれば被害の回復は難しくなります。

We have also had consultations regarding fixed amounts being deducted every month for a few years because the person did not check their credit card statement. Upon further investigation into the matter, it became clear that often times these were monthly fees for paid applications or membership fees, and the person continued to be charged because they forgot to cancel their subscription. It is difficult to receive a refund if you haven’t completed the cancellation procedures, even if you insist that you weren’t using the service anymore.

また、カード会社からの請求明細を確認せずにいたため「数年前から定額の料金が毎月引落されていた」との相談もあります。調べてみるとその多くは有料アプリや会費等の月額料金であり、解約を忘れていたために請求が続いていた、ということでした。解約手続きがされていなければ「もう利用していない」と主張しても返金は難しいです。

Be sure to check your credit card statement regularly and confirm that the transactions on your statement match your receipts.

カードの利用明細書は必ず定期的に確認し、カードを利用した際に受け取った伝票等と突き合わせ、確認することが大切です。