What is the ONE PERCENT charge on my credit card?

What this ONE PERCENT charge usually is

A charge labeled ONE PERCENT is commonly tied to One Percent Group, a credit and funding consulting business operating at onepercentgroup.services. In many cases, this descriptor is used when a customer purchases a credit-related service, consultation, or onboarding package. Statement descriptors are often shortened by payment processors, so your bank may show only the core words instead of the full legal business name.

If you recently signed up for any credit-improvement, business-funding, or financial consulting program, this charge may be expected. The company also references "1% Group" in some onboarding language, which can add confusion when comparing receipts to your card statement.

Why it appeared on your statement

Most ONE PERCENT charges appear after one of these events:

• You paid for an initial consultation or enrollment fee.
• You purchased a specific service package (such as credit-file review or dispute-prep services).
• You authorized payment through a checkout page where the billing descriptor differs from the brand name shown in ads or messages.
• A family member or business partner used your card with permission.
• A prior authorization settled days later, making the charge appear unexpectedly.

If you are researching unfamiliar statement lines, it can help to compare patterns with other descriptors such as Patreon or Cash App, where brand and descriptor text can also differ.

How to verify the charge quickly

Start with your own records first. Check your email for receipts, invoices, onboarding messages, or portal-access emails around the transaction date. Then compare the exact amount and date with your statement.

• Visit the merchant website and look for recent service confirmations.
• Contact support and ask them to locate the payment by last 4 card digits, amount, and charge date.
• Ask whether the payment was a one-time fee or part of a continuing program.
• Request a written receipt that shows the service name and customer account tied to the payment.

Verification is important before filing a dispute, because a valid authorized payment can usually be resolved faster by the merchant directly.

How to cancel or stop future billing

If you do not want future charges, contact the merchant and request cancellation in writing. Ask for a dated confirmation email that states your account status and whether any additional payments are scheduled.

• State clearly that you want recurring billing stopped (if applicable).
• Request confirmation number, cancellation date, and final billed amount.
• Keep screenshots and emails in case your bank later asks for proof.

If the merchant confirms cancellation but new charges continue, contact your card issuer and ask for a card-level recurring payment block.

When and how to dispute ONE PERCENT

Dispute the transaction with your card issuer if the charge is unauthorized, duplicated, or materially different from what you agreed to buy. Provide your bank with clear evidence: merchant emails, cancellation requests, screenshots of terms shown at checkout, and your timeline.

• Unauthorized use: report immediately and request card replacement.
• Service not provided: include expected delivery date and what was missing.
• Cancelled but billed: attach cancellation proof and post-cancel charge dates.

Most issuers allow disputes in online banking, by phone, or in writing. Filing promptly improves your odds of a faster provisional credit and resolution.