What is the SmartCredit charge on your bank statement?
That line item is SmartCredit — a credit monitoring & identity service billed as a recurring charge. If you (or someone who shares your account) signed up at some point, it's most likely legitimate. Below: how to recognize it, and what to do if you want it gone.
Usually appears on statements as
SMARTCREDITSMART CREDIT🔍 Skycopia uses these same payee patterns to spot SmartCredit in real bank data — the founder's own audit flagged $19,207/yr across 62 recurring charges.
Don't recognize it? Check these first
- Someone else in the household. A partner or family member on a shared card is the most common explanation for a "mystery" recurring charge.
- A free trial that converted. SmartCredit's own sign-up flow involves a trial — the first charge is often the trial quietly ending. Set a trial reminder next time.
- A price you don't remember agreeing to. Subscriptions creep upward quietly. If the amount looks bigger than you remember, it probably is — see which services raised prices.
- Charged twice, or charged after you cancelled. Both are disputable. Contact SmartCredit first if you have an account; otherwise go straight to your bank — here's exactly how to dispute a charge.
Want the charge gone?
Cancelling SmartCredit is rated medium — you can cancel it yourself online (cancellation line: 877-372-3895). The full walkthrough covers all 3 steps, including what they'll offer you to stay.
FAQ
What is the SmartCredit charge on my bank statement?
SmartCredit is a credit monitoring & identity service. Its charges usually appear on statements containing "SMARTCREDIT", "SMART CREDIT". If you or someone in your household has a SmartCredit account, this is most likely a legitimate recurring charge.
How do I stop SmartCredit from charging me?
Cancel the subscription — you can cancel it yourself online (by phone at 877-372-3895). Skycopia rates it medium to cancel and has a step-by-step guide with the exact 3-step walkthrough.
Can I dispute a SmartCredit charge?
Yes — if the charge landed after you cancelled, or you never signed up at all, dispute it with your bank or card issuer. If you do have an account, contact SmartCredit first: a duplicate or post-cancellation charge is usually refunded faster by the merchant than through a formal dispute.
Why did SmartCredit charge me after a free trial?
Free trials convert to a paid subscription automatically unless cancelled before the trial ends — the first charge is the trial ending, not an error. SmartCredit's own service agreement is explicit: "ALL PAYMENTS FOR SUBSCRIPTIONS AND OTHER FEATURES ARE NON-REFUNDABLE" — no partial refund for time left on a billing period, so cancelling mid-cycle just stops the NEXT charge, it won't get you money back for the current one. Still in the free trial? Cancelling there is genuinely free, no obligation, no charge at all.
Never google a mystery charge again.
Skycopia reads your bank history and names every recurring charge — including the ones hiding behind cryptic statement codes — then flags the duplicates, price hikes, and zombie rebills for you. Free audit, no credit card.
The founder's own audit flagged $19,207/yr — real numbers, July 2026. Yours will vary; that's the point.
Run your free audit→