An “Intra Corp” charge on your credit card is a transaction from a business billing under some variation of the name Intracorp. The descriptor looks cryptic because card networks limit the business-name field to about 25 characters, which forces abbreviations and often shows a parent or holding company name rather than the storefront or website you actually used.1Stripe. Why Do Customers See Statement Descriptors That Don’t Match What I’ve Set in Stripe In most cases the charge is legitimate once you track down which purchase it corresponds to. If it isn’t, federal law gives you a clear path to remove it and strict limits on what you can be made to pay.
Who Bills as Intra Corp
Several unrelated companies use the Intracorp name across different industries and countries, so the charge could trace back to more than one source. The Better Business Bureau lists an Intracorp LLC in Newport Beach, California, classified under construction supplies and incorporated on April 12, 2002.2Better Business Bureau. Intracorp – Construction Supplies A separate BBB listing for an Intracorp in San Diego, categorized as real estate development, is believed to be out of business.3Better Business Bureau. Intracorp – Real Estate Development A merchant called Intracorp also appears as a partner retailer in a Brunei bank card program, selling electrical goods and furniture.4TAIB. Merchant Delights
Because the name is shared, identifying which business billed you requires looking at the full statement entry — the date, dollar amount, any city or state appended to the merchant name, and the category code — and searching that exact string online.
How to Identify the Charge Before Disputing
A few quick checks resolve most unfamiliar charges without a formal dispute. Expand the transaction on your statement or in your bank’s app to see any location, phone number, or merchant category attached to the name. Ask anyone else authorized on the account whether they made the purchase. Look for pending pre-authorization holds from hotels or gas stations, which can post under an unfamiliar corporate name and drop off once the final amount settles.5Capital One. What Is This Credit Card Charge Check your email for any subscription or free-trial sign-up that may have converted to a recurring charge, since the billing name on those is often the parent company rather than the service you signed up for.
If It’s a Small Charge You Don’t Recognize
A charge of a dollar or two that you cannot connect to any purchase deserves immediate attention rather than a wait-and-see approach. Fraudsters run small transactions to confirm that a stolen card number is active before attempting larger purchases.6Chase. How to Identify Fraudulent Charges on Your Credit Card The Office of the Comptroller of the Currency confirms that “small dollar authorizations or transactions are used to ‘test’ an account prior to much larger transaction activity.”7OCC. Credit Card and Debit Card Fraud Call your card issuer and ask them to lock or replace the card.
How to Dispute the Charge
If you’ve ruled out legitimate explanations, the dispute process depends on whether the charge hit a credit card or a debit card. The rules, deadlines, and consumer protections are different.
Credit Card Disputes
The Fair Credit Billing Act requires you to send a written dispute to your card issuer’s billing-inquiry address — not the payment address — within 60 days of the statement date on which the charge first appeared.8FTC. Using Credit Cards and Disputing Charges Include your name, account number, and a description of the error. Send it by certified mail with a return receipt so you have proof of delivery.9California Attorney General. Credit Cards – Dispute a Charge
The issuer must acknowledge your notice in writing within 30 days and resolve the dispute within 90 days.10CFPB. How Do I Dispute a Charge on My Credit Card Bill While the investigation is open, you may withhold payment on the disputed amount, and the issuer cannot report you as delinquent, close your account, or take legal action to collect that amount.8FTC. Using Credit Cards and Disputing Charges If the issuer finds the charge was an error, it must remove it along with any related fees or interest. If it concludes the bill is correct, it must explain why in writing and give you 10 days to appeal.9California Attorney General. Credit Cards – Dispute a Charge
Debit Card Disputes
Debit card transactions fall under the Electronic Fund Transfer Act and Regulation E, and the liability tiers are tied to how fast you report. Notify your bank within two business days of discovering an unauthorized charge, and your liability is capped at $50. Report it after two days but within 60 days of your statement, and the cap rises to $500. Wait longer than 60 days and you risk unlimited liability for transfers the bank can show would not have occurred had you reported sooner.11CFPB. Regulation E – Section 1005.6 The financial institution bears the burden of proving that a transfer was authorized or that the conditions for increased liability were met.12Cornell Law Institute. 15 U.S. Code § 1693g Consumer negligence, such as writing a PIN on the card, cannot be used to impose liability beyond what Regulation E allows.13NCUA. Electronic Fund Transfer Act – Regulation E
Provisional Credit While the Bank Investigates
Most banks issue a provisional credit within one to three business days of opening a dispute, covering the disputed amount plus any associated interest or fees. For debit card claims, the provisional credit can take up to 10 business days.14U.S. Bank. Provisional Credits for Card Disputes Claims filed more than 60 days after the statement date may not qualify. If the investigation ultimately finds the charge was legitimate, the provisional credit is reversed and any accrued interest or fees are applied back to the account.15Bank of America. Credit Card Disputes FAQ
What You’ll Owe If It Was Fraud
Federal law caps a credit cardholder’s liability for unauthorized charges at $50.8FTC. Using Credit Cards and Disputing Charges In practice most cardholders pay nothing, because the major card networks go further. Visa’s Zero Liability Policy says cardholders are not responsible for unauthorized charges on most Visa credit, debit, and prepaid cards, and requires issuers to replace funds within five business days of notification.16Visa. Zero Liability Policy Mastercard’s Zero Liability policy covers unauthorized transactions made in-store, online, by phone, on mobile devices, and at ATMs, provided the cardholder used reasonable care and promptly reported the loss or theft.17Mastercard. Zero Liability Protection Neither policy covers certain commercial cards or unregistered prepaid cards such as gift cards.
When to Report It Beyond Your Bank
If the Intra Corp charge appears to be part of broader fraud or identity theft, go further than your card issuer. The FTC recommends filing a report at IdentityTheft.gov, which creates a personalized recovery plan and an official Identity Theft Report.18CFPB. What Do I Do if I Think I Have Been a Victim of Identity Theft You can file a complaint with the Consumer Financial Protection Bureau if your bank doesn’t resolve the dispute, and report the incident at ReportFraud.ftc.gov.8FTC. Using Credit Cards and Disputing Charges
A fraud alert placed with any one of the three major credit bureaus — Equifax (800-685-1111), Experian (888-397-3742), or TransUnion (888-909-8872) — notifies all three and requires creditors to verify your identity before opening new accounts. An initial fraud alert lasts one year. A security freeze goes further by blocking new creditors from accessing your credit file entirely, but you have to contact each bureau separately to put one in place.18CFPB. What Do I Do if I Think I Have Been a Victim of Identity Theft