What is the THIS charge on my credit card?

What the THIS charge usually means

A charge labeled THIS is typically a shortened billing descriptor. Card statements often trim business names to fit character limits, so the text you see may not exactly match the storefront, app name, or checkout brand. In many cases, THIS can map to a legitimate purchase where the processor only passed a condensed merchant string. It may also appear if you bought goods through a third-party marketplace, wallet, or delivery service that forwards a simplified descriptor.

If you recently purchased plant-based food products from THIS, the official brand website is this.co. However, you should still verify the exact transaction details in your bank app because unrelated merchants can sometimes produce similar-looking short descriptors.

Why this charge appeared

The most common reason is a valid one-time purchase that posted after pending authorization. You might also see THIS when:

• A card was saved in a retailer account and used for a delayed capture.
• A family member or authorized user placed the order.
• A trial, add-on fee, or shipping adjustment posted separately from the original checkout.
• The merchant descriptor was truncated by the card network.
• A digital wallet token (Apple Pay/Google Pay) masked the full merchant name.

Because the descriptor is short, false alarms are common. Start with reconciliation before disputing.

How to verify the transaction

Open the transaction details in your banking app and check the posting date, amount, merchant city/country, and any phone number or merchant ID. Then search your email for receipts using the exact amount and transaction date. Also review wallet purchase history and subscriptions tied to the same card. If you use multiple services, compare this charge with similar descriptor pages such as Patreon and Cash App to spot formatting patterns.

If you believe it links to THIS, contact support through the official form at this.co/contact or by email at shout@this.co with the last 4 digits of your card, charge date, amount, and any order reference. Do not send full card numbers by email.

How to cancel or prevent more charges

For recurring or repeated debits, cancel through the original checkout account first, then remove saved payment methods. If you cannot identify the account, ask the merchant to locate your profile by email and transaction metadata. Request written confirmation of cancellation and keep screenshots.

Next, protect your card by turning on transaction alerts, locking the card when not in use, and removing old cards from wallets and unused merchant accounts. If a merchant cannot confirm the payment owner, request your issuer block future transactions from the same descriptor.

When and how to dispute

Dispute the charge with your card issuer if the merchant cannot verify it, the amount is incorrect, goods were not delivered, or you never authorized the transaction. File promptly, provide documents (receipts, cancellation confirmations, chat logs), and clearly state the issue category. Your issuer may issue provisional credit while investigating.

Use chargebacks carefully: if the purchase was valid and only the descriptor was unclear, a direct merchant refund is usually faster. But if fraud is suspected, ask the bank to replace the card and stop additional authorizations immediately.