An “Easy AI Credits” charge on your credit card is a billing descriptor from an AI-powered app or website that sold you a subscription or a pack of credits, usually for things like image generation, text editing, or photo enhancement. Because smaller AI companies route payments through third-party processors, the name printed on your statement rarely matches the app you signed up for. Most of these charges trace back to a free trial that converted to a paid plan automatically. To stop it, you need to identify the merchant, cancel through the right channel, and, if the charge is already on your statement, use your bank’s dispute or stop-payment rights.
Find Out Which Service Is Charging You
Start in your email. Search your inbox for “subscription,” “credits,” “welcome,” or “receipt” around the date of the charge. Most AI tools send a confirmation when you first sign up, and the sender address usually reveals the actual company name. If nothing turns up, check whether the charge amount matches a plan you’ve seen in an app store. Purchases made through the App Store or Google Play sometimes appear under the platform’s own name rather than the app you actually used.
Look at the statement line itself for anything printed alongside the “Easy AI Credits” label: a partial URL, a phone number, or a city and state abbreviation. Searching the full descriptor in quotes on a search engine often turns up a billing-support page maintained by the merchant. Some payment processors also run lookup pages where you can enter the descriptor or transaction ID to identify the originating company.
If the charge doesn’t match anything you remember signing up for, check whether someone else with access to your card enrolled in a trial. Free trials that require a card are the single biggest source of surprise AI charges. The trial converts to a paid subscription on its own, and by the time the charge lands, the person who signed up has usually forgotten about it.
Cancel the Subscription
Once you know the merchant, log in to their site directly. Look for account settings, billing, or subscription management. The cancel option is often buried a few clicks deep, sometimes behind a retention offer or a survey. Complete the full flow and wait for a confirmation email before you assume it worked.
If you originally signed up through the Apple App Store or Google Play, canceling on the service’s website will not stop the charges. Apple and Google handle billing independently, so you have to cancel through your device’s subscription settings. On iPhone, open Settings, tap your name, then Subscriptions. On Android, open the Google Play Store, tap your profile icon, then Payments and Subscriptions.
Save the confirmation email or a screenshot of the cancellation screen. Without proof, disputing a later charge with your bank gets much harder.
One point of leverage if the merchant makes cancellation difficult: the FTC’s Click-to-Cancel rule, codified at 16 CFR Part 425, requires businesses to make canceling as simple as signing up. If you enrolled online, they must let you cancel online, and they cannot force you into a phone call or sales pitch that wasn’t part of the sign-up.1Federal Trade Commission. Federal Trade Commission Announces Final Click-to-Cancel Rule Making It Easier for Consumers to End Recurring Subscriptions and Memberships Violations can be reported at ftc.gov/complaint.
Stop Your Bank From Paying the Next Charge
If the charge pulls from your bank account through ACH or a debit card, Regulation E lets you order your bank to stop it. You have to notify your bank or credit union at least three business days before the next scheduled payment. The request can be made by phone, in writing, or online, depending on your institution. If you call it in, the bank may require written confirmation within 14 days, and the oral order expires if you don’t send it.2eCFR. 12 CFR 1005.10 – Preauthorized Transfers Once your bank has the request, it must block future debits from that merchant, even if the merchant resubmits.3Consumer Financial Protection Bureau. 1005.10 Preauthorized Transfers
Banks commonly charge a fee for a formal stop-payment order, often somewhere between $15 and $35. Credit card charges follow different rules, covered below.
Dispute a Charge Already on Your Credit Card
If the charge hit a credit card, the Fair Credit Billing Act gives you 60 days from the date the statement containing the charge was sent to dispute it. The dispute has to be in writing and sent to the creditor’s billing-error address, not the general payment address. Include your name, account number, the amount you’re disputing, and why you believe the charge is wrong.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The creditor must acknowledge your notice within 30 days and resolve it within two billing cycles, no more than 90 days.5Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution While the dispute is open, the creditor cannot report the disputed amount as delinquent or send it to collections.
This is where a saved cancellation confirmation earns its keep. If you can show the service was canceled before the charge date, the dispute is straightforward.
When a Chargeback Makes Sense
A chargeback is a stronger step: you’re asking your card issuer to forcibly reverse the transaction because the merchant didn’t deliver what was promised, charged you after a valid cancellation, or processed something you never authorized. Most issuers let you start one by calling the number on the back of the card or through the bank’s app.
Try to cancel with the merchant first. Banks take chargeback requests more seriously when you can show you attempted to resolve the issue directly. Bring your cancellation confirmation, any emails you sent, and screenshots of the account showing the subscription was closed before you file. If the merchant produces evidence that you agreed to the billing terms and used the service, the bank may side with them. Chargebacks on subscriptions you genuinely used and simply forgot to cancel rarely succeed.
Keep It From Happening Again
Virtual card numbers are the most effective defense. Services like Privacy.com let you generate a card number locked to a single merchant with a spending limit you set. If the merchant tries to charge more than the limit, or after you’ve closed the card, the transaction is declined automatically.6Privacy.com. Privacy.com Virtual Cards – Payment Controls and Spend Limits One-time-use cards work well for free trials you don’t plan to keep.
A simpler habit does most of the same work: set a calendar reminder for two days before any trial expires. The trial end date is usually in the confirmation email or on your account dashboard. Canceling a day early costs you nothing, and you can resubscribe later if the service turns out to be worth it.
If you use several AI tools, scan your card and bank statements every month for small recurring charges. A $15 monthly line is easy to miss on a busy statement, and it adds up to $180 a year for a service you may have stopped opening months ago.