The short answer
This is a legitimate charge from Interest Charge.
What is an INT CHARGE?
The descriptor INT CHARGE on your bank or credit card statement represents an interest charge assessed by your financial institution. Unlike merchant purchases, this fee is levied directly by your bank for borrowing funds, maintaining a rolling balance, or exceeding available credit limits.
This charge typically appears when you carry an unpaid balance on your credit card from previous billing cycles, causing finance charges to accrue based on your annual percentage rate (APR). It can also indicate daily interest applied to an overdrawn checking account or scheduled interest payments on personal loans and lines of credit.
To verify why this interest was applied, examine your monthly statement's interest calculation summary or review your account activity for carrying balances. If you believe the interest was calculated incorrectly or wish to avoid future finance charges, consider paying your balance in full before the grace period expires. You can also contact your bank's customer service department to discuss potential interest fee waivers or APR adjustments. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Overdrafts and Loans
If your checking or savings account has gone into an overdraft (the balance has fallen below zero), the bank may charge interest daily on that negative balance.
If you have an active loan or a line of credit, 'INT CHARGE' often represents the regular interest payment due on the borrowed funds.
- Step 1 Look at the dates covered by your statement to see if you carried a balance or had an overdrawn account during that time.
- Step 2 Contact your bank's customer service department if you do not understand how the interest was accrued.
Is INT CHARGE the same as INT PD?
Do not confuse 'INT CHARGE' with 'INT PD' or 'INT CR,' which usually stand for Interest Paid or Credited (when the bank pays you).
Dispute Rights & Fraud Prevention
If you notice discrepancies in how your interest or finance charges were calculated, you have the right to request a formal fee review or billing error investigation under federal banking regulations.
Frequently asked questions
Is the INT CHARGE charge legitimate?
If you authorized a payment to Interest Charge, then yes. This is the statement descriptor used by Interest Charge. Interest Charge
Independent reference — not affiliated with Interest Charge. 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.
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov
Reviewed Aug 5, 2026 · low · About UnknownCharges