What is the LIFETIME charge on my credit card?

What the LIFETIME charge usually means

A descriptor that appears as LIFETIME is most commonly tied to Life Time, the U.S. health club and fitness membership brand. In many cases, this charge is a monthly membership due, a club service fee, personal training billing, class-related fees, or another recurring amount connected to an existing account. Card statements often shorten business names, so a familiar merchant can still look unclear when it posts.

Because "Lifetime" is also used by other businesses, you should confirm before taking action. The key is to match the amount, date, and location history in your account activity. If the charge is recurring and posts around the same date each month, that is a common pattern for gym or digital membership billing.

Why this charge may have appeared

• You signed up for a monthly club membership and billing renewed automatically.
• You purchased add-on services such as personal training, classes, or youth programs.
• A family member on your card joined or booked services.
• You had a trial, promotional period, or enrollment that converted to paid billing.
• The descriptor is abbreviated, so the posted name differs from the brand name you recognize.

If you are comparing descriptors, it can help to look at similar billing pages such as Patreon or Cash App to see how merchant names and statement text can differ.

How to verify whether it is legitimate

Start by checking your receipts, member portal activity, and email confirmations for any Life Time transactions. Then compare your statement line item against known billing dates. If needed, contact Life Time support and ask them to locate the charge using your card’s last four digits, transaction date, and amount. Their main contact page and phone support can typically confirm whether the transaction belongs to an active account.

Also review authorized users on the card. Many "unknown" charges are valid transactions made by a spouse, partner, or dependent. Verifying this first can prevent unnecessary card replacement and account disruption.

How to cancel future LIFETIME charges

If the charge is valid but you want it to stop, cancel through the method allowed in your membership or service agreement. For many recurring services, written notice and an advance notice period may be required before billing ends. Keep records of cancellation requests, confirmation emails, and any ticket numbers. If cancellation is handled in-app or through your member account, save screenshots showing the timestamp and status.

After cancellation, monitor your next one to two statements. If billing continues past the effective cancellation date, contact the merchant again with your proof and request reversal or correction.

When and how to dispute

If you do not recognize the transaction after verification steps, contact your card issuer immediately and file a dispute as an unauthorized or incorrect charge. Provide all evidence: communication attempts, cancellation proof, and a short timeline. Your bank may issue a provisional credit while it investigates. If fraud is suspected, ask for a card replacement to block additional attempts.

Dispute promptly, since card networks and issuers apply filing time limits. Fast reporting improves the chance of successful recovery and helps prevent repeat charges.