I don’t check my scheduled payments on my credit card. I do now. I have been charged $19.95 every month for the last 9 months by trans union. They remind me that I did authorize a payment of $1.00 back in July. I don’t use their service and I don’t want their service. It has stopped but I’m out of $180 which is a lot of money for someone who is retired. I doubt that barclay card will be successful in getting my money back. By the way, if you want your fico credit score it is free.