An “Infini-T Cafe” line on your credit card statement almost always traces back to Infini-T Cafe and Spice Souk, a tea, coffee, and spice shop that operated in Princeton, New Jersey until flood damage closed the storefront in 2017. The owners moved the business online as Tea Leaf Market, so a charge under the original cafe name can still show up from a web order, a subscription, or delayed processing. If none of that fits, treat the charge on your credit card from Infini-T Cafe as potentially unauthorized and dispute it with your card issuer.1Planet Princeton. Infini-T Cafe in Princeton Closed for Good
Is This Charge Yours?
Merchant descriptors on a statement rarely match the storefront or website you remember. Businesses bill under a parent company name, a legal registration, or an abbreviation that fits inside the 25-character limit for transaction descriptors.2Forbes. What Is This Charge on My Credit Card An “Infini-T Cafe” entry could be a legitimate order you placed, a recurring charge from a tea or spice subscription, or a fraudulent use of your card number.
Before calling it fraud, work through a few quick checks:
- Search your email for order confirmations or shipping notices from any tea, coffee, or spice seller, including Tea Leaf Market.
- Run the exact merchant name from your statement through a search engine. That usually surfaces the business or a customer service number.
- Ask anyone else with access to the card or account whether they placed the order.
- Call your card issuer and ask for the full merchant details on file. Issuers can often pull a phone number or location that doesn’t appear on your statement.3Capital One. What Is This Credit Card Charge
If none of that produces a match, move to a dispute.
How to Dispute the Charge
Federal law caps your liability for unauthorized credit card charges at $50 under the Fair Credit Billing Act, and most major issuers apply zero-liability policies that waive even that.4FTC. Using Credit Cards and Disputing Charges The dispute itself has three practical steps.
Call the number on the back of your card and report the transaction as unauthorized. The issuer will usually freeze the card or send a replacement so no further charges can post.
Then send a written dispute. To preserve your full FCBA rights, mail a letter to the issuer’s billing-inquiry address, not the payment address, within 60 days of the statement date showing the charge. Include your name, account number, the transaction details, and why you believe it is an error.5CFPB. How Do I Dispute a Charge on My Credit Card Bill Use certified mail with a return receipt, and keep copies.
Once the issuer receives your written notice, it has 30 days to acknowledge the dispute and up to 90 days to resolve it. During the investigation, you don’t have to pay the disputed amount, and the issuer can’t report that amount as delinquent or close your account because of it.4FTC. Using Credit Cards and Disputing Charges If the issuer sides with the merchant and you still disagree, you can appeal in writing and file a complaint with the Consumer Financial Protection Bureau.
Protecting the Account After a Suspicious Charge
One unexplained charge is often the first sign of a compromised card number. Review the rest of your recent statements closely. Unresolved fraudulent charges push up your credit utilization and, if they trigger missed payments, can hurt your credit score.6Discover. What Is This Charge on My Credit Card
Turn on real-time purchase notifications in your issuer’s mobile app, and use the in-app card lock if you see anything else you don’t recognize. Request a new card number rather than keeping the compromised one. If the problem looks broader than a single charge, file a report at IdentityTheft.gov to start a recovery plan.4FTC. Using Credit Cards and Disputing Charges