An “Inspire X” charge on your credit card is almost always a recurring subscription fee from inspirepro.co, a site branded as “Inspire Pro” that bills £29.99 per month (roughly $38) and renews automatically until you cancel. Consumers frequently report the charge appearing without any clear sign-up, and the service has been flagged on scam-tracking databases. To stop it, you’ll generally need to cancel through the site, block the payment method, and dispute the charge with your card issuer or bank.
What Inspire Pro Is and Why It’s on Your Statement
Inspire Pro, at inspirepro.co, describes itself as a subscription-based educational platform for discovering “new subjects, skills and hobbies.” Its FAQ page lists the price at £29.99 per month, billed automatically, and states that charges can be applied either to a credit card or directly to a mobile phone bill.1Inspire Pro. FAQ Direct carrier billing of that kind is a common vector for consumer complaints about unauthorized recurring charges.
Several features of the service are worth knowing before you try to resolve the charge. The site describes its content in generic terms without naming courses, instructors, or credentials. The FAQ’s “Customer Care” section contains empty placeholder fields where an email and phone number should sit, so the site’s own help page gives no working way to reach support.1Inspire Pro. FAQ
In March 2025, a report filed with the Better Business Bureau’s Scam Tracker described an email from support@inspirepro.co reading “Subscription Renewed — Your Inspire Pro subscription has been renewed for $49/month,” with a “LET’S GO” button and an unsubscribe link. The BBB classified the report as a “Fake Invoice/Supplier Bill.”2Better Business Bureau. Scam Tracker Report 960794 The $49 figure in that report differs from the £29.99 posted on the Inspire Pro site, which may reflect regional pricing or a separate phishing campaign using the name.
How to Cancel the Subscription
The Inspire Pro FAQ instructs users to log in to their account on the site to unsubscribe, or to contact “Customer Care.”1Inspire Pro. FAQ Because the contact fields on the site appear to be nonfunctional, logging in and navigating to subscription settings is likely the only route through the company itself. Save a screenshot of any cancellation confirmation, along with the date and method.
If the charge went through Apple Pay or your Apple account, open the Wallet app on your iPhone, tap the three-dot menu, select “Preauthorized Payments,” find the merchant, and choose “Revoke Payment Authorization.” Apple notes that revoking authorization here only asks the merchant to stop charging that payment method and does not formally cancel the underlying subscription.3Apple Support. Manage Preauthorized Payments in Wallet For charges billed through the App Store, review your purchase history at reportaproblem.apple.com to cancel any active subscription or request a refund on eligible purchases.4Apple Support. If You See a Charge You Don’t Recognize
If the charge was billed directly to your mobile phone bill, contact your wireless carrier. Carriers can typically block third-party charges and may reverse recent ones. Ask specifically about blocking “premium SMS” or “third-party billing” to prevent future charges.
Disputing the Charge With Your Bank
If the company doesn’t respond, or you never authorized the charge in the first place, dispute the transaction with your card issuer or bank. The rules differ by card type.
Credit Card Disputes
Under the Fair Credit Billing Act, your maximum liability for an unauthorized credit card charge is $50, and many issuers apply zero-liability policies that eliminate even that amount.5Consumer Financial Protection Bureau. Regulation Z, Section 1026.12(b) To preserve your full legal protections, send a written dispute to the “billing inquiries” address listed by your issuer (not the payment address) within 60 days of the statement date on which the charge first appeared.6Federal Trade Commission. Using Credit Cards and Disputing Charges Include your name, account number, the amount and date of the charge, and why you’re disputing it. Certified mail with a return receipt gives you proof of delivery.
Once the issuer receives your written notice, it must acknowledge the dispute within 30 days and resolve it within 90 days or two billing cycles, whichever is shorter.7Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill While the investigation is pending, you may withhold payment on the disputed amount, and the issuer cannot report you as delinquent on it or send it to collections.6Federal Trade Commission. Using Credit Cards and Disputing Charges Issuers generally apply a provisional credit during the investigation.8Experian. How Long Do You Have to Dispute a Credit Card Charge
If the issuer denies your dispute, it must explain why in writing, and you have 10 days (or until the payment due date, whichever is later) to appeal.
Debit Card Disputes
Debit card transactions fall under the Electronic Fund Transfer Act, and your liability depends on how fast you report. Notify your bank within two business days of learning of the unauthorized charge, and your liability is capped at $50. Between two business days and 60 days after your statement arrives, the cap rises to $500. Miss the 60-day window, and you risk losing reimbursement for losses your bank could have prevented had you reported sooner. The burden of proving those conditions rests on the bank.9Cornell Law Institute. 15 U.S. Code Section 1693g
Banks cannot stall an investigation by demanding you file a police report or contact the merchant first.10Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs
Where to Report It
Reporting the charge doesn’t retrieve your money on its own, but it feeds enforcement databases and helps if your bank later mishandles your dispute.
- File a fraud report at ReportFraud.ftc.gov. The FTC enters reports into the Consumer Sentinel database, shared with more than 2,000 law enforcement agencies. The FTC does not resolve individual complaints.11Federal Trade Commission. Report Fraud
- If your payment information may have been stolen or misused, get a personalized recovery plan at IdentityTheft.gov.12Federal Trade Commission. What to Do if You Were Scammed
- If your bank or card issuer mishandles the dispute, submit a complaint at consumerfinance.gov/complaint. Companies respond to most complaints within 15 days.13Consumer Financial Protection Bureau. Submit a Complaint
- If you suspect broader identity theft, place a free fraud alert with Equifax (800-525-6285), Experian (888-397-3742), or TransUnion (800-680-7289). A fraud alert placed at one bureau is automatically shared with the other two.14Farm Credit Services of America. Additional Fraud Reporting Steps
Why a Small Charge Deserves Fast Action
A single monthly charge of around $38 is easy to shrug off, but security researchers warn that small, vague charges are sometimes used by fraudsters to test whether a payment method is live before running larger transactions. The technique, sometimes called “ghost tapping,” runs low-value charges through compromised terminals or unauthorized NFC readers to confirm the card works.15Fox News. Why a Small Charge on Your Statement Could Be Fraud16Recorded Future. Ghost Tapping and the Chinese Criminal Ecosystem
Even when the charge turns out to be a real subscription rather than a probe, the clock on your dispute rights starts running from the date the charge first appears on your statement. Cancel the subscription, block the payment method, and open a dispute in writing while the deadlines are still on your side.