Seeing a 12405 Powerscourt charge on your credit card statement can be confusing and alarming—especially when you don’t immediately recognize it. This charge is commonly linked to Spectrum / Charter Communications, one of the largest telecom providers in the United States. However, many users worldwide (India, UAE, UK, Canada, etc.) report this charge even when they have never used Spectrum services. This guide explains exactly what this charge is, when it’s legit, when it’s fraud, how to verify it, and what steps to take immediately to protect your money.
What Is the “12405 Powerscourt” Charge?
The Address Behind the Charge
12405 Powerscourt Dr, St. Louis, MO 63131, USA
This address belongs to the headquarters of Charter Communications (Spectrum). When Spectrum processes payments, the address sometimes appears instead of the business name.
Why This Address Appears
Credit card processors often shorten merchant details, which is why instead of “Spectrum/Charter Communications,” customers see only the address.
Charge Descriptor Variations
Users have reported multiple versions, including:
- 12405 POWERSCOURT DR MO
- Spectrum 12405 Powerscourt
- Charter Communications 12405 Powerscourt
- CHKCD 12405 Powerscourt
- Powerscourt MO charge
- SPECTRUM ST LOUIS MO
- CHARTRCOMM 12405 Powerscourt DR
These variations depend on the card network (Visa/Mastercard/Amex), payment gateway, and your bank’s formatting.
Is This Charge Legit or Fraud?
When the Charge Is Legit
- You have Spectrum Internet, TV, or Phone services.
- You recently paid your Spectrum bill.
- You have auto-pay enabled on your Spectrum account.
- You purchased or returned Spectrum equipment.
- You recently closed your Spectrum account (final settlement).
- A family member used your card for Spectrum without informing you.
When the Charge Is Fraud
- You live outside the USA and have never used Spectrum.
- You do not have any Charter/Spectrum account.
- The charge amount does not match your bill.
- Multiple charges appear in a short period.
- You see a small test charge (often $1) followed by a bigger one.
- Your PayPal or Amazon account was compromised.
- A scammer used your card for unauthorized Spectrum accounts.
Common Ways the Charge Appears on Statements
| Charge Format | Description |
|---|---|
| 12405 POWERSCOURT DR MO | Generic bank descriptor |
| Spectrum 12405 Powerscourt | Spectrum payment |
| Charter Communications Powerscourt | Auto-pay or bill payment |
| Powerscourt MO charge | Abbreviated address-only charge |
| SPECTRUM ST LOUIS MO | Location-based descriptor |
| 12505 POWERSCOURT (typo variant) | Processor truncation or anomaly |
Why This Charge Confuses People
- Truncated Descriptors:- Some banks only show the address without the business name, making it look suspicious.
- Auto-Pay Billing:- Users forget they enabled auto-pay months or years ago.
- Delayed Posting:- Spectrum sometimes posts charges several days or weeks later.
- Final Bills After Cancellation:- Even after closing services, Spectrum may charge a final bill or equipment fee.
- Family Members Using Your Card:- Kids or spouses may add the card to a Spectrum account.
- Fraudsters Creating Fake Spectrum Accounts:- Scammers often use stolen cards to buy USA-based internet services.
Reasons You Might See This Charge
Legitimate Reasons
- Spectrum monthly bill
- Auto-pay renewal
- Equipment purchase or upgrade
- Router/Modem fees
- Installation charges
- Final bill after service cancellation
Fraudulent or Unknown Reasons
- Stolen credit card used for Spectrum service
- PayPal linked card compromised
- Old Spectrum account still billing you
- Family member made a purchase without informing you
- Scammer conducted a card test charge
- Subscription renewal on a hacked account
What To Do If You Don’t Recognize This Charge
Follow this step-by-step plan:
Verify Your Spectrum Account
- Log in to your Spectrum portal.
- Check billing history.
- Compare the transaction amount.
Ask Family Members
Check with:
- Spouse
- Children
- Roommates
- Anyone who has access to your card
Many “fraud charges” are actually forgotten family purchases.
Contact Spectrum Billing
Ask them:
- Is the charge linked to your card number?
- Is there any active or old account under your name?
- Was your card used by someone else?
Spectrum Billing: 1-833-267-6094
Contact Your Bank Immediately
Tell your bank:
“I see an unauthorized charge from 12405 Powerscourt. Please block my card and investigate.”
Your bank will:
- Freeze the card
- Issue a new card
- Start fraud investigation
Block the Card
Do this ASAP if you suspect fraud.
Raise a Dispute / Chargeback
Banks usually refund within:
- 5–10 days (USA)
- 7–14 days (India/UAE)
Reset Passwords
Especially:
- PayPal
- Amazon
- Apple ID
- Banking app
- Email linked to the card
Enable Alerts
Turn on:
- SMS alerts
- Limit-based alerts
- International transaction alerts
How To Prevent These Charges in the Future
Strengthen Card Security
- Never save your card on unknown websites.
- Disable international transactions when not needed.
- Keep transaction alerts ON.
Use Virtual Cards
For online payments, use virtual card numbers with spending limits.
Spectrum Contact Information (For Verification)
- Customer Support: 1-833-267-6094
- Billing Department: Spectrum Online Chat
- Headquarters Address: 12405 Powerscourt Dr, St. Louis, MO 63131
Read Also- Popsty Store Charge on Credit Card
FAQs
What is the 12405 Powerscourt charge?
It is a charge related to Spectrum / Charter Communications, often shown as an address-only billing descriptor.
Is the 12405 Powerscourt charge legit?
Yes, if you use Spectrum services. Otherwise, it may be fraud.
Why does the charge show only an address?
This happens due to merchant descriptor truncation by banks.
What if I live outside the USA?
Almost always fraud. Contact your bank immediately.
Is Spectrum using my card without my permission?
Spectrum doesn’t charge randomly—usually it’s a family member, old account, or a fraudster using your card.
Conclusion
Seeing a 12405 Powerscourt charge can be alarming, but now you know exactly what it is, when it’s legitimate, when it’s fraud, and what steps to take immediately.
If you don’t recognize the charge, act fast—verify, block the card, and file a dispute. Protecting your credit card is essential in 2025’s growing fraud landscape.
Emma Rose is a U.S.-based personal finance writer and a regular contributor at Cardix.us. She focuses on topics like credit cards, credit scores, and everyday money management. Emma’s writing makes complex financial concepts simple and practical, helping readers make smarter credit and spending decisions with confidence.
