What is the PROMPT charge on my credit card?

What this PROMPT charge usually means

A statement line that appears as PROMPT is commonly tied to a payment made to Prompt AI, a San Francisco-based software company operating at promptai.co. Many card statements shorten descriptors, so the full business name may not be shown. Instead of displaying a long legal name, your issuer may only show a compact version like PROMPT, which can look unfamiliar even when the purchase is valid.

For most cardholders, this charge is linked to a subscription or recurring service tied to an app account, trial conversion, or plan renewal. If you previously entered card details for a paid feature, your bank may continue showing the descriptor in this short format each cycle.

Why it appeared on your statement

• You started a free trial that auto-renewed into a paid plan.
• You bought a monthly or annual subscription directly from the merchant site or app.
• A family member or teammate used your card on a shared device.
• You changed plans and received prorated billing.
• The merchant name was truncated by your bank into PROMPT.

If the transaction timing matches a recent sign-up, plan change, or renewal date, it is likely legitimate. Also check for nearby small authorization attempts and then a full posted charge, which is common for online subscriptions.

How to verify the charge quickly

First, compare the statement date and amount with your email inbox for receipts, trial reminders, or renewal notices. Search for terms like “Prompt,” “Prompt AI,” or the exact amount. Next, log in to any account you may have used and review billing history. Prompt AI’s terms reference account cancellation controls and support via email, which helps confirm that recurring billing can occur for paid services.

If you still cannot match the charge, contact merchant support from an official channel before disputing. This can resolve accidental renewals faster and may avoid a temporary card lock from your issuer. Keep screenshots of account billing pages and any support replies. If you want to compare how other payment descriptors are abbreviated, these examples can help: Patreon and Cash App.

How to cancel future PROMPT charges

• Sign in to the account connected to the purchase.
• Open billing or membership settings.
• Turn off auto-renew and confirm the cancellation date.
• Save confirmation emails or screenshots for records.
• If needed, email support@promptai.co and request written confirmation.

Canceling usually stops future renewals but does not always reverse the most recent posted payment unless the merchant approves an exception.

How to dispute if you do not recognize it

If the charge is unauthorized, contact your card issuer immediately through the number on the back of your card. Ask to dispute the transaction as card-not-present fraud or unauthorized recurring billing, depending on your situation. Most issuers may issue provisional credit while they investigate.

• Provide the descriptor exactly as shown: PROMPT.
• Share the transaction date, posted amount, and merchant attempts you made.
• State whether the card was lost, compromised online, or never used with this merchant.
• Request card replacement if you suspect credential theft.

Act quickly because dispute windows are time-sensitive. The faster you report, the easier it is to prevent additional recurring charges and secure your account.