UnknownCharges

Descriptor decodificado

INT CHARGE

Verified charge

By · Última actualización

08/05 INT CHARGE $42.15

Resumen del cargo

This is a legitimate charge from Interest Charge.

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What is an INT CHARGE?

'INT CHARGE' on a bank statement typically stands for Interest Charge. It is a standard banking term indicating that you have been charged interest on your account.

This generally occurs if you carry a balance on your credit card from one month to the next, often referred to as a finance charge or APR-based interest.

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.

  1. 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.
  2. 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?

No. 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 suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.

Always review your statement carefully and take action within 60 days.

What should I do if I don't recognize this charge?

First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.

How long does it take for a disputed charge to be removed?

Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.

As práticas de cobrança podem variar. Confirme sempre no extrato antes de contestar.

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