Here are the most likely causes for an unrecognized charge: A Microsoft subscription has recurring billing enabled. Someone you know, such as a family member, bought something with your card. You can now investigate this on the Manage your payments page. A previously declined charge was charged again. A pre-order or split order was shipped. Someone made an in-app purchase from an app, game, or ...

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A popular tactic of criminals is the "fake order" scam. The way it works is that you get a message, usually in email or text, that appears to be a routine confirmation for an order. Of course, you never ordered whatever product or service it's confirming. The message looks common enough, and it says that money will be charged to your credit card or withdrawn from your bank account for the ...