The short answer
GRAMMARLY charges are Grammarly Premium — and the surprise is usually the billing cycle, not the product: annual and quarterly plans bill as one lump sum (about $144/year), not monthly.
Why it shows up like this
A statement entry marked GRAMMARLY CO4X8Z represents a subscription charge from Grammarly, Inc. for its digital writing assistant. This charge pays for Grammarly Premium, which provides automated grammar checking and clarity enhancements. The alphanumeric string appended to the descriptor acts as an internal merchant reference code generated during credit card clearing.
The most common cause for this charge catching people off guard is annual renewal billing. Grammarly frequently promotes an attractive monthly rate during checkout that actually requires upfront payment for an entire year. Twelve months later, a renewal charge of approximately one hundred forty-four dollars posts to the card automatically. Because no monthly reminders hit your bank statement during the year, cardholders often forget they ever agreed to a recurring annual plan.
If you did not authorize this charge, sign in to your dashboard at grammarly.com to check your current subscription status and turn off auto-renewal under account settings. Grammarly customer support frequently honors refund requests submitted shortly after an unintended annual renewal, provided the service has not been heavily used. When you have no record of creating an account with Grammarly, Inc., contact your financial institution to dispute the charge and protect your card details.
Don’t recognize it? You might still
Unrecognized charges often trace back to forgotten student accounts or family members using your card for writing projects.
- Annual lump-sum renewals a full year after signup.
- A trial or discount converted to a full-price plan.
- A student or family member's account on your card.
What to do, in order
- Check the subscription page account.grammarly.com shows plan, renewal date, and billing cadence.
- Request a refund quickly if unwanted Grammarly's stated policy is limited, but support often refunds recent renewals of unused accounts — contact them before disputing.
- Downgrade to free The free tier keeps basic checking; cancelling Premium doesn't delete the account.
Quick questions
Why is the charge $144 instead of $12?
Annual billing — the advertised monthly rate is the annual price divided by twelve, charged once. It's the most complained-about part of Grammarly's billing.
Dispute Rights & Fraud Prevention
If Grammarly, Inc. is unable to locate your transaction or refuses a refund for an unauthorized charge, contact your card issuer to submit a billing dispute under the Fair Credit Billing Act.
Your card issuer can reverse the charge and issue a new card number to stop future billing attempts.
Frequently asked questions
Is the GRAMMARLY CO4X8Z charge legitimate?
If you authorized a payment to Grammarly Premium, then yes. This is the statement descriptor used by Grammarly, Inc.. Grammarly, Inc.
Independent reference — not affiliated with Grammarly, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Grammarly — support https://support.grammarly.com
- Grammarly — contact https://www.grammarly.com
Reviewed Aug 3, 2026 · high · About UnknownCharges