Not paying much attention, I now realized that since January, there has been a recurring $12 monthly charge for a merchant called "shopper discounts". Turns out it is a well known scam. They hook you somehow in an online transaction made with a "partner merchant". I still have not figured out what merchant screwed me. The company is flying under the radar, because once you figure it out, they do make it extremely easy to cancel your " subscription". That was all over with before I was done working up a really good pissed off attitude! In fact, I have since found out that if you press them, they will refund your money. Basically, they prey on folks like me who just get an e-bill, and whatever the balance is, I pay it ( on line ). Never pay too much attention to the detail lines. VISA will NOT reverse the transactions, because apparently, although deceptive, it is basically legal. Most likely, I either checked a box, or neglected to uncheck a box, on a shopping cart somewhere. I will now be more careful about the merchants I deal with online. I will not post any links, because I don't want to inadvertantly post a bad one. But if you google shopper discounts and complaints, you can find out plenty if you are interested.