A charge reading “SP 32 DEGREES” or “SP * 32DEGREES” on your card or bank statement is a purchase from 32 Degrees, an online apparel brand selling clothing, activewear, and accessories at 32degrees.com. The “SP” is not part of the store’s name. It’s an automatic prefix added by Shopify Payments, the processor 32 Degrees uses to run its checkout.1Shopify Community. What Name Appears on Customers’ Bank Statements After Purchase If nothing about the amount or date rings a bell, the charge could still be a forgotten order placed during a sale or promotional email, or it could be a transaction someone else made using your card.
Why the Charge Starts With “SP”
32 Degrees runs its online store on the Shopify e-commerce platform.232 Degrees. Privacy Policy Any retailer using Shopify Payments to process cards has “SP” placed in front of its store name on every customer statement. Shopify has confirmed the prefix is mandatory and cannot be removed by the merchant.1Shopify Community. What Name Appears on Customers’ Bank Statements After Purchase So “SP 32DEGREES” just points to a purchase from 32degrees.com. Before doing anything else, it’s worth checking your email for an order confirmation from 32 Degrees around the date of the charge, and asking anyone who shares your card whether they placed an order.
What to Do If You Don’t Recognize the Charge
If you’re confident the charge isn’t yours, federal law is on your side. Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and most card issuers apply zero-liability policies that waive even that.3FTC. Using Credit Cards and Disputing Charges4Investopedia. Fair Credit Billing Act
To preserve those rights, send a written dispute to the billing-inquiry address on your card statement within 60 days of the statement date on which the charge appeared. Include your name, account number, and a description of the transaction you’re disputing. The issuer must acknowledge your letter within 30 days and resolve the matter within 90 days.5CFPB. How Do I Dispute a Charge on My Credit Card Bill While the investigation is open, the issuer cannot collect the disputed amount, charge interest on it, or report it as delinquent to the credit bureaus.4Investopedia. Fair Credit Billing Act
Most issuers also let you start a dispute by phone or through their app. That’s usually the fastest way to get a provisional credit and a new card issued if the charge looks like fraud. Still, if you want the full FCBA protections locked in, follow up in writing within the 60-day window.
If the Charge Is Yours but Something Went Wrong
The FCBA dispute process is built for billing errors and unauthorized charges. If you did place the order but the product never arrived, arrived damaged, or wasn’t what was advertised, you can still dispute the charge as a quality or delivery problem, but you generally need to try to work it out with the seller first before your card issuer will step in.3FTC. Using Credit Cards and Disputing Charges Contact 32 Degrees through the customer support channels on 32degrees.com, keep copies of your emails, and only escalate to the card issuer if the seller won’t resolve it.
Recurring Charges and Repeat Purchases
32 Degrees is a retail store, not a subscription service, so a legitimate charge from the site should tie to a specific order you placed. If you see more than one “SP 32 DEGREES” line on the same statement, check whether each matches a separate order confirmation in your email. Two charges without two orders is the pattern to flag, and the same 60-day written-dispute rule applies to each transaction.5CFPB. How Do I Dispute a Charge on My Credit Card Bill