Random credit card charge

Hi, jamiec26! thank you for reaching out.

My name is AJ, I'm an Independent Advisor for the Xbox Community.

To clarify, you don't see any recent purchases in any of your accounts? you can see your order history at: https://account.microsoft.com/billing/orders

If that's the case, then I'm afraid you’ll need to contact your financial institution to prevent future charges and/or issue you a new card.

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I hope this helps!

Best regards.

Note A hold will be applied to your credit card in the amount of $400.00 (plus any applicable taxes). This hold is not a charge against your credit card. However, it may affect your credit card balance until we remove the hold. Your credit card will not
be charged and the hold will be removed,

Most pre-paid credit cards do not allow recurring charges, and that is a requirement for an XBox Live subscription (promotional or regular) to be charged to a credit card.

Offers like that usually appears random on your dashboard, another note is that when you purchase a gold memebership with your credit card. As soon as your gold membership expires, it will start an auto renewal in which it will charge you a month of gold

I thought that a charge from a credit card is the same as a bank account? There's no way it would charge your bank account directly without a credit card on file.