If you recently checked your credit card statement and noticed a charge labeled “Blossom Up,” you’re not alone. Many U.S. consumers have reported seeing unfamiliar charges from this name and are left wondering whether it’s a legitimate purchase, a forgotten subscription, or something more concerning like fraud.
In this guide, we’ll break down what a Blossom Up charge might mean, how to verify its legitimacy, and what steps you should take if it turns out to be unauthorized. You’ll also learn about your consumer rights under the Fair Credit Billing Act (FCBA) and practical tips to prevent similar issues in the future.
What Is the Blossom Up Charge on a Credit Card?
The term “Blossom Up” may appear on your credit or debit card statement as part of the billing descriptor — the text merchants use to identify transactions. It might look like:
- BLOSSOM UP
- BLOSSOMUP.COM
- BLOSSOM UP*SUBSCRIPTION
- BLOSSOM UP ONLINE SERVICE
However, as of 2025, limited public information is available about a verified business named Blossom Up. That means the charge could be linked to:
- A subscription or membership you recently signed up for.
- A free trial that automatically converted into a paid plan.
- A third-party billing service processing payments for another company.
- A mistaken or unauthorized transaction.
Common Reasons You Might See a Blossom Up Charge
Let’s look at a few legitimate and suspicious scenarios that could explain the charge.
1. Subscription or Membership Renewal
You might have signed up for a beauty, wellness, or digital service subscription with a name similar to “Blossom Up.” Some merchants use third-party processors, so the name on your bank statement may differ slightly from the brand you remember.
2. Free Trial Turned Paid
Many companies offer free trials that require you to enter credit card details. If you forget to cancel before the trial ends, the company may begin charging you automatically.
3. Third-Party or Affiliate Payment
Blossom Up might act as a billing intermediary for another online vendor or app you used recently.
4. Unauthorized or Fraudulent Charge
If you have no recollection of any related purchase, the charge could be fraudulent. This can happen if your card details were compromised online or in a data breach.
How to Verify a Blossom Up Credit Card Charge
Before assuming it’s fraud, it’s important to verify the transaction carefully. Follow these steps:
1. Review Your Recent Purchases
Check your recent online orders, app subscriptions, and email receipts for anything related to “Blossom Up.” Look for similar names or services.
2. Ask Family or Household Members
Sometimes, a spouse, partner, or child may have made a purchase using your card without realizing it.
3. Search the Billing Descriptor Online
Enter the full descriptor (e.g., “BLOSSOMUP.COM 888-XXX-XXXX”) into Google. Sometimes, this reveals the merchant’s website or contact information.
4. Check Your Email for Subscriptions or Trial Confirmations
Look for welcome emails, order confirmations, or recurring payment notices that might match the date and amount of the charge.
5. Contact the Merchant (If Contact Information Exists)
If you find a legitimate website or customer service number linked to the descriptor, try contacting the merchant directly. Be polite but firm in asking for:
- A receipt or proof of purchase
- Details of any subscriptions or memberships
- Refund or cancellation options
If you can’t locate the merchant or the contact information seems suspicious, proceed to the next step.
What to Do If You Don’t Recognize the Blossom Up Charge
If after checking everything you still don’t recognize the charge, act quickly to protect your account.
Step 1: Contact Your Credit Card Issuer
Call the customer service number on the back of your card. Explain that you’ve noticed an unauthorized Blossom Up charge and would like to investigate.
Your issuer can:
- Provide transaction details (date, location, merchant info)
- Temporarily freeze or block your card if fraud is suspected
- Help you dispute the charge under the Fair Credit Billing Act (FCBA)
Step 2: Dispute the Charge (Fair Credit Billing Act Rights)
Under the Fair Credit Billing Act (FCBA), you have the right to dispute unauthorized or incorrect charges within 60 days of the statement date.
Your credit card company must investigate and respond, typically within two billing cycles (but not more than 90 days).
To file a dispute:
- Contact your card issuer online or by phone.
- Submit a written dispute if required (many banks allow online forms).
- Include transaction details, the reason for your dispute, and any evidence (e.g., emails or screenshots).
During the investigation, you generally won’t have to pay the disputed amount.
Step 3: Request a Replacement Card
If the issuer confirms fraud, request a new credit card number to prevent additional unauthorized charges.
How to Protect Yourself from Future Unknown Charges
Even careful consumers can encounter billing surprises. Here’s how to minimize the risk:
✅ 1. Use Virtual or Disposable Cards
Many banks and fintech apps (like Capital One Eno or Revolut) offer temporary card numbers for online purchases. This prevents your main card from being exposed.
✅ 2. Enable Transaction Alerts
Set up real-time SMS or email alerts for every transaction. This helps you spot suspicious charges immediately.
✅ 3. Monitor Your Statements Monthly
Review your statements line by line. Small recurring charges often go unnoticed for months.
✅ 4. Avoid Unverified Websites
Never enter your credit card details on websites without HTTPS or poor reviews.
✅ 5. Use Credit Instead of Debit
Credit cards offer stronger fraud protection and dispute rights under the FCBA compared to debit cards.
Understanding Billing Descriptors
A billing descriptor is the short text shown on your credit card statement. Merchants use it to identify themselves, but it often includes:
- A shortened business name (e.g., BLOSSOMUP)
- A phone number or website URL
- A city and state abbreviation
If the descriptor looks unclear, it doesn’t always mean fraud — sometimes it’s just formatted differently. However, if you can’t trace the business after searching, proceed with caution.
FAQs About Blossom Up Credit Card Charges
1. What is the Blossom Up charge on my credit card?
It’s a billing descriptor for a transaction that may be linked to a subscription, product, or online service. However, there’s limited public information about this merchant as of 2025, so verify with your bank if unsure.
2. Is the Blossom Up charge legitimate or a scam?
It could be either. Sometimes it’s a forgotten subscription; other times it’s an unauthorized charge. Verify before assuming fraud.
3. How do I dispute a Blossom Up charge?
Contact your credit card issuer immediately. File a dispute under the Fair Credit Billing Act (FCBA) within 60 days of your statement date.
4. Can I get a refund for a Blossom Up charge?
If it’s a valid subscription, the merchant may refund you after cancellation. If it’s unauthorized, your bank will credit your account after a successful dispute.
5. How can I find the merchant’s contact info?
Search the exact billing descriptor (including numbers or URLs) in Google. If you can’t find any reliable source, it’s likely an unauthorized charge.
6. Will disputing the charge affect my credit score?
No. Disputing a charge does not affect your credit score. It simply pauses payment while your bank investigates.
Final Thoughts: Stay Vigilant and Protect Your Finances
Seeing a mysterious “Blossom Up” charge on your credit card can be unsettling, but taking calm, informed action can protect you from potential fraud.
Always verify unfamiliar transactions, monitor your statements closely, and take advantage of the protections provided by the Fair Credit Billing Act.
If the charge turns out to be unauthorized, dispute it promptly and request a new card. With proactive monitoring and smart online practices, you can prevent similar issues and keep your finances secure.
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.
