An Infinity Kat charge on your statement is a merchant descriptor used by a payment processing entity, not a consumer brand you signed up with directly. It usually shows up as “INFINITY KAT” or “CHECKCARD INFINITY KAT,” often followed by a Birmingham, AL location, and most people find it after a free trial quietly rolled into a paid subscription. To stop it, you need to identify the actual service, cancel that subscription, and then dispute the charge with your bank.
Figure Out What You Actually Signed Up For
Payment processors and third-party billers frequently put their own legal entity on your statement rather than the app or website you interacted with. That’s why “Infinity Kat” won’t match anything in your purchase history. The underlying service could be a health app, a streaming service, a fitness program, or another digital product you tried through a social media ad or promo offer that asked for a card number.
Search “Infinity Kat” together with the exact dollar amount in your email inbox. Charges often land on non-round figures like $29.94 or $39.95, and a welcome email or receipt from the real merchant is usually sitting there. Check your Apple App Store and Google Play purchase history too, since many of these subscriptions run through app store billing. If nothing turns up, look at the full transaction line on your statement. It may include a phone number or partial URL next to the descriptor, and calling or visiting that is often the fastest way to reach the merchant’s cancellation page.
Cancel the Subscription Before You Dispute
A successful dispute refunds a past charge. It does not automatically stop the next one from posting. Cancel first.
If you signed up through a website or app, Mastercard’s network rules require the merchant to let you cancel online the same way you signed up. The merchant cannot force you to call a phone number during limited business hours or send a letter, and the process cannot involve extended hold times, pressure to switch plans, or artificial delays. Once you cancel, the merchant must send confirmation stating the effective date and any final charges.
Federal law backs this up. The Restore Online Shoppers’ Confidence Act requires any seller using negative-option billing, where charges begin after a trial unless you cancel, to get your express informed consent before the first charge and give you a simple way to stop recurring payments. If the merchant’s site has no visible cancellation option, note that when you file your dispute.
If you subscribed through the App Store or Google Play, canceling on the merchant’s site alone may not be enough. Open your app store’s subscription management settings and cancel from there. The app store is often the actual billing entity, and the subscription runs until you stop it at that level.
Credit Card vs. Debit Card: Why It Changes How Fast You Should Act
Your rights depend heavily on which card the charge hit.
On a credit card, federal law caps your liability for any unauthorized charge at $50, and most major issuers waive even that as a matter of policy.1Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card The disputed money never left your bank account, and during the investigation you aren’t required to pay the disputed portion of your bill.
On a debit card, the money is already gone from your checking account, and recovery depends on how quickly you report. Notify your bank within two business days of learning about the charge, and your maximum liability is $50. Wait past two business days but report within 60 days of the statement date, and your exposure jumps to $500. Miss the 60-day window, and you could lose the full amount.2Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability If the Infinity Kat charge hit a debit card, report it today.
Filing the Dispute With Your Bank
Gather the transaction details before you call: the exact date, the dollar amount, and the full merchant descriptor including any reference numbers. The reference number lets the bank trace the payment to the specific billing entity, which speeds the investigation.
For credit card charges, the Fair Credit Billing Act requires you to send a written billing error notice to your card issuer within 60 days of the statement date that first showed the charge.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Most banks let you file online or by phone, but follow up in writing to protect your legal rights.
Be precise about the reason. If you never agreed to recurring billing, choose “unauthorized transaction.” If you canceled a trial but got charged anyway, “services not rendered” or “canceled subscription” fits better. The right label routes the case to the right investigator.
For debit card charges, the dispute falls under the Electronic Fund Transfer Act and Regulation E. Same steps: gather details, file promptly, follow up in writing. The reporting deadlines above are what really drive the outcome.
What Happens After You File
For a credit card dispute, the issuer must acknowledge your billing error notice within 30 days of receiving it. It then has two complete billing cycles, and no more than 90 days, to investigate and either correct the error or explain in writing why it believes the charge is valid. During the investigation, the issuer cannot try to collect the disputed amount or report it as delinquent, and if it finds a billing error occurred, it must credit your account for the disputed amount plus any related finance charges.4eCFR. 12 CFR 1026.13 – Billing Error Resolution
For a debit card dispute, the bank generally has 10 business days to investigate. If it needs longer, it can extend to 45 days, but only if it provisionally credits your account within the initial 10 business days.5Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors If the investigation confirms the charge was unauthorized, the credit becomes permanent.
Filing a dispute does not hurt your credit score. It’s a consumer protection process, not a negative mark on your credit report.
If the Bank Denies Your Dispute
You have options beyond accepting the decision.
File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. The CFPB forwards your complaint to the company and typically gets a response within 15 days, with up to 60 days for more complex cases. The CFPB doesn’t resolve individual disputes the way a court would, but companies respond because the CFPB publishes complaints in a public database and shares patterns with enforcement agencies.6Consumer Financial Protection Bureau. Learn How the Complaint Process Works
Also file with your state attorney general’s consumer protection division. These offices act as intermediaries between consumers and businesses, and many complaints get resolved simply because the office contacts the merchant. Provide the transaction date, dollar amount, payment method, and any documentation showing you tried to cancel or never authorized the charge.
If the same Infinity Kat descriptor generates a pattern of complaints, the CFPB and state attorneys general can open broader investigations into the billing entity. Individual filings feed those patterns, so it’s worth reporting even when the dollar amount feels small.