Credit card charged $6.30 2x a month but I have no active subscriptions, orders or transactions in my Microsoft account

Krista 20 Reputation points
2026-09-14T21:48:08.7933333+00:00

I got charged $6.30 3x in November 2025 on my amex and have been charged 2x monthly since. I have no payments stored in my Microsoft account, no subscriptions, no orders, and no transactions, so I have no idea what this is for and can't investigate a transaction (because there aren't any).

The original charge in Nov 2025 was on a card I no longer have or use, which might be the issue. I'm still being charged on my replacement amex with a new card number.

Microsoft 365 and Office | Subscription, account, billing | For home | Other
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EmilyS726 266.8K Reputation points Independent Advisor
2026-09-14T22:21:44.66+00:00

Can you go to your account https://account.live.com Sign in and go to Services & Subscription, do you see anything that matches the charges? If not, click on Order history instead and anything?

Micosoft lists some other scenarios you can explore: https://support.microsoft.com/en-us/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93

If you find the charges on YOUR account but you don't recognize making those purchase, for your privacy and security, billing matter cannot be discussed here, nor does anyone helping here have access to such data. You will need to contact support to get it handled. On your computer, launch the Get Help app from the start menu, then type in "Billing" as the keyword. On the next page, you can click on "Contact support" button. Then fill out a few more details and you will be directed to the page where you will have the option to chat with a live support agent.

If you cannot locate the charges on your Microsoft account at all, it's possible that your credit card has been compromised. This means unauthorized charges may have been made on someone else's Microsoft account using your credit card. In such a scenario, you should contact your credit card company to open a dispute case. In fact, you need to contact Amex's fraud department, instead of simply getting a new card. Microsoft is unable to directly investigate issues related to someone else's account if you contact their Billing Support directly. However, once a dispute case is initiated by your credit card company, Microsoft can then respond specifically to those claims through the dispute process with the credit card company. This is the appropriate channel to resolve such issues, as it ensures proper verification and handling of the unauthorized charges.

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  1. AI answer

    2026-09-14T21:48:25.21+00:00

    If there are no subscriptions, orders, or transactions in the Microsoft account, the most likely causes supported here are:

    1. The charge is tied to a different Microsoft account, including a family member’s account using the same card.
    2. A previously declined charge was charged again.
    3. The card information may have been used on another Microsoft account, which can indicate the card was compromised.

    Because the original charge started on an older card and the replacement Amex is still being charged, the next steps are:

    1. Review Microsoft order history again for duplicate or recurring purchases close together in time: Review your order history.
    2. In Microsoft account Payment options, select Investigate to search for other accounts using the card: Go to payment options.
    3. Check whether the charge could be from:
      • recurring billing on a subscription,
      • a previously declined charge being retried,
      • another person known to the cardholder using the card,
      • an in-app purchase.
    4. If nothing is found in order history or payment investigation, contact the card issuer immediately and open a dispute. The guidance states that if a charge cannot be located on the Microsoft account at all, it may be an unauthorized charge on someone else’s Microsoft account using that card.
    5. If there is concern the payment information was acquired by someone else, contact the bank or payment provider to prevent more charges and report the card as stolen or compromised. Disputing alone does not prevent future fraudulent charges.
    6. Microsoft support can still be contacted through Contact Microsoft Support, but when the charge is not visible in any Microsoft account, the bank dispute process is the supported path for investigation.

    References:

    AI-generated content may be incorrect. Read our transparency notes for more information.

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