A TJC Shop LC charge on your bank or credit card statement comes from Shop LC, a television and online retailer of jewelry, gemstones, and lifestyle products based in Austin, Texas. The company’s legal name is The Jewelry Channel, Inc., doing business as Shop LC, which is why the billing descriptor starts with “TJC.”1Shop LC. BudgetPay FAQ If you don’t immediately recognize it, the charge almost always traces back to an order placed on ShopLC.com, through the Shop LC mobile app, or during one of the company’s live TV broadcasts. It may also be a scheduled installment under the company’s BudgetPay plan or an automatic charge from one of its one-click purchase features.
Why the Charge Keeps Showing Up Each Month
If the same TJC*SHOPLC charge appears repeatedly, the likely cause is BudgetPay. BudgetPay splits the cost of an eligible item into up to five equal, interest-free installments. The first payment is charged the day you place the order and is usually larger than the rest because it includes shipping, handling, and sales tax. Each later installment is billed automatically to the same card every 30 days until the balance is cleared.2Shop LC. BudgetPay FAQ
Because these charges recur without any further action from you, it’s easy to forget about a plan started weeks or months earlier. You can see and manage active BudgetPay plans by signing in to the “My Account” section on ShopLC.com or by calling customer service at 1-877-899-0078. If a scheduled payment fails to go through within six days of its due date, the account enters a collections process, and any balance still unresolved after 30 days is passed to a third-party collection agency. Shop LC generally caps the total outstanding BudgetPay balance for a single customer at $5,000.2Shop LC. BudgetPay FAQ
Other Shop LC Features That Charge Your Card Automatically
BudgetPay is not the only way a Shop LC charge can appear without a fresh checkout. Two account features can also trigger charges on their own.
Online Auction AutoPay is an opt-in setting that automatically charges your card on file for any auction items you win. Winning transactions process at either 10 a.m. or 11 p.m. Central time on the day the auction ends. You can turn AutoPay off from your account settings, though the change takes a few minutes to take effect.3Shop LC. FAQs
FastBuy is a one-click purchase tool that skips the shopping cart, using your saved billing and shipping information to place an order immediately. It does not work with PayPal or store credit.3Shop LC. FAQs
Shop LC’s site also includes a general disclosure on certain items stating that by continuing with the purchase, you authorize recurring charges “at the prices, frequency and dates listed on this page until my order is fulfilled or I cancel.”4Shop LC. ShopLC.com If you don’t remember enabling any of these options, your Shop LC account settings will show you which ones are active.
What to Do if You Don’t Recognize the Charge
Start with Shop LC directly. Signing in to your account will show your order history, any active BudgetPay installments, and whether AutoPay or FastBuy are turned on. If that doesn’t explain the charge, Shop LC customer service can be reached at 1-877-899-0078, by email at customerservice@shoplc.com, or through the chat function on ShopLC.com.5Shop LC. Shipping Policies
It’s worth knowing that Shop LC has drawn billing-related complaints at the Better Business Bureau involving partial refunds, restocking fees of 25% on returns past the 30-day window, and disputes over items classified as clearance or final sale.6BBB. Shop LC Complaints If the charge relates to a return you expected to be refunded in full, the deduction may be a restocking fee or a prepaid return label charge of $6.49 to $10.49. Original shipping and handling are not refundable unless the item has a manufacturing defect.7Shop LC. FAQs – Returns Shop LC has also told BBB complainants that it cannot issue a direct refund while a chargeback is in progress with the customer’s bank. If you’re considering a bank dispute, resolve that choice before starting one.
How to Dispute the Charge With Your Card Issuer
If Shop LC does not fix the problem, the Fair Credit Billing Act gives credit card holders a formal dispute process. Send a written dispute letter to the card issuer’s billing-inquiry address (not the payment address) within 60 days of the statement date on which the charge appeared. Include your name, account number, and a description of the error, with copies of any supporting documents. Certified mail with a return receipt creates proof of delivery.8FTC. Using Credit Cards and Disputing Charges
Once your letter arrives, the issuer must acknowledge the dispute in writing within 30 days and resolve it within 90 days. While the investigation is open, the issuer cannot report you as delinquent, close your account, or take legal action over the disputed amount, and you may withhold payment on the disputed portion while continuing to pay any undisputed balance. Federal law caps your liability for truly unauthorized charges at $50.8FTC. Using Credit Cards and Disputing Charges
If the dispute is about the quality of what you received rather than a billing error, you need to try resolving it with Shop LC first. You can then dispute through your card issuer, but the item must have cost more than $50 and the purchase must have taken place in your home state or within 100 miles of your billing address. Those limits don’t apply when the seller is also the card issuer.9FTC. What To Do if You’re Billed for Things You Never Got or You Get Unordered Products If the process leaves you without a resolution, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or report the matter to the Federal Trade Commission at ReportFraud.ftc.gov.8FTC. Using Credit Cards and Disputing Charges
One boundary to keep in mind: the FCBA protections above apply specifically to credit cards. If the TJC*SHOPLC charge hit a debit card, banks may offer their own voluntary protections, but the federal timing and liability rules differ. Contact your bank quickly rather than relying on the credit card timeline.9FTC. What To Do if You’re Billed for Things You Never Got or You Get Unordered Products