Microsoft is charging my credit card each month for $6.85. Why are you charging me I do not have any subscriptions.

George Klepacki 0 Reputation points
2026-11-11T18:20:52.65+00:00

Microsoft is charging my credit card each month for $6.85. Why are you charging me I do not have any subscriptions.

Microsoft 365 and Office | Subscription, account, billing | Other | Other
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  1. Norah-L 13,605 Reputation points Microsoft External Staff Moderator
    2026-11-12T01:08:40+00:00

    Hello George Klepacki

    I could not find any current Microsoft service with a standard advertised price of exactly $6.85 per month. The charge may be for a lower-priced item with local tax added, such as a $5.99 app, game, add-on, in-app purchase, or subscription.

    Other possibilities include the card being linked to an older Microsoft account or a family member’s account, a previously declined payment being processed later, or the card details being used without permission on another account.

    To investigate this directly, I also suggest contacting Microsoft Support, as the AI answer mentioned since this is a user-to-user forum, we cannot access your account or billing records to trace the charge. However, the steps it provided are not specific and may lead you back to automated articles instead of a live agent. To reach the correct support option, please follow the steps below:

    1.  Go to: https://support.microsoft.com/home/contact
    2. In the search box, enter a short description of your issue, then choose "Get Help"
    3. Scroll down and select Sign in to contact support (please sign in using a personal Microsoft account). Then follow the on-screen prompts to reach Support Team.
    4. If the support page directs you to the automated assistant, type “I need a live agent” in the chat.

    Tips: Support chat availability may vary by country/region, product, and support hours. If you can't get in touch with a chat agent right away, trying again later or at a different time may help.

    In the meantime, I also suggest asking your family members whether they have used the card for any Microsoft services, such as Xbox Game Pass, EA Play, a game, or an in-game purchase.

    Hopefully your issue will be sorted out soon. Thank you so much for your patience!

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  2. AI answer

    2026-11-11T18:21:41.28+00:00

    Use Manage your payments → Investigate to identify the $6.85 charge, because a recurring card charge may belong to another Microsoft account or may not be a subscription shown in the account currently signed in. ^1^

    1. Identify the charge

    1. Open Manage your payments and sign in.
    2. Select Investigate beside the unrecognized charge.
    3. Compare the amount and transaction date with your card statement.
    4. Also check Payment & billing → Order history. Set the date range around each $6.85 payment and look for transactions marked Completed or Redeemed. ^2^
    5. Repeat these checks for any other personal Microsoft accounts you have used, and ask whether a family member purchased something with your card.

    Possible explanations include recurring billing, a family member’s purchase, an in-app purchase, a retried declined payment, or an order charged when it shipped. The amount alone is insufficient to determine which product generated it.

    2. If you find a subscription

    Sign in with the Microsoft account that owns it, then:

    1. Open Services & subscriptions.
    2. Select Manage beside the subscription.
    3. Select Cancel or Upgrade or Cancel and complete the prompts.
    4. If the page instead displays Turn on recurring billing, renewal is already disabled and the subscription will expire on the displayed date. [^3^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft 365")

    Refund eligibility is assessed during cancellation; not every cancellation receives a refund. [^4^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft subscription refund policy | Microsoft Support")

    If the subscription was purchased through Apple, Google Play, or another retailer, cancellation and refund requests must go through that provider rather than Microsoft. [^5^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Unable to cancel your Microsoft subscription | Microsoft Support")

    3. If no account shows the charge

    Contact Microsoft Support:

    1. Enter unrecognized recurring billing charge and select Get Help.
    2. Select Contact Support if the automated results do not resolve it.
    3. Provide the amount, dates, card type, and only the last four digits of the card. Do not post full payment details publicly.

    If Microsoft cannot locate the transaction, or nobody authorized it, contact the card issuer immediately. Ask it to:

    • Identify the full merchant details.
    • Block future recurring charges.
    • Dispute the unauthorized payments.
    • Replace the card if its details may be compromised.

    Microsoft specifically advises reporting potentially stolen or compromised payment information to the card issuer; disputing individual transactions alone may not prevent further charges. ^1^

    References

    1. How to investigate a billing charge from Microsoft | Microsoft Support
    2. View your Microsoft Store order history | Microsoft Support
    3. [Microsoft 365](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
    4. [Microsoft subscription refund policy | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
    5. [Unable to cancel your Microsoft subscription | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
    AI-generated content may be incorrect. Read our transparency notes for more information.

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