Zlatarna Krizek charge on your credit card — what it is and exactly what to do next

If you see a transaction on your U.S. credit-card statement that reads something like “ZLATARNA KRIZEK …”, don’t panic — but don’t ignore it either. This guide explains, in plain English, what that descriptor likely means, how to verify whether it’s legit, and the exact, prioritized steps to get your money back if the charge is unauthorized. I’ve fact-checked merchant contact info and the dispute process so you can act fast and confidently.

What (and who) is Zlatarna Krizek?

• Zlatarna Križek is a Croatian jewelry company with an online shop and physical locations in Croatia. Their site and contact pages list email addresses, phone numbers, and store addresses. That means the descriptor you see on a card could genuinely reflect a purchase billed by this merchant.
• At the same time, consumer-reported complaint sites have flagged the “ZLATARNA KRIZEK” descriptor as suspicious in a handful of user reports. A flagged descriptor does not automatically mean the merchant is a scam — it can mean anything from marketplace billing confusion to a fraudulent use of the merchant’s descriptor by someone trying to hide a charge. Treat the charge as suspicious until you verify it.

First things first — verify in 5 minutes

1. Write down the exact descriptor, date, and amount from your statement. The full text matters.
2. Search your email for order confirmations (search keywords: “Krizek”, “Zlatarna”, the amount).
3. Ask household members if they used your card for a purchase.
4. Check saved cards/wallets (Amazon, PayPal, etc.) — sometimes a marketplace will bill under the supplier’s name.
5. Open your bank or card app and tap the transaction for any extra details (merchant phone, MCC code, location).

If you find an order confirmation or you recognize the charge, great — no further action is needed beyond confirming delivery or refund. If you find nothing, move to the emergency steps below.

If you did not authorize the charge — immediate priority steps

1. Contact your card issuer immediately (call the number on the back of your card). Tell them it’s an unauthorized transaction and request a dispute/claim be opened. The Consumer Financial Protection Bureau (CFPB) and FTC both recommend contacting the issuer right away.
2. Ask your issuer to block/replace the card (so the fraud cannot continue). Most issuers will issue a new card and account number quickly.
3. Document everything. Get a reference number or SRN for your dispute, save screenshots of the transaction, and keep copies of any emails you send or receive.
4. File follow-up reports if advised. If the charge is international or looks like a pattern of identity theft, the FTC’s IdentityTheft.gov and the FBI’s Internet Crime Complaint Center (IC3) are appropriate next steps. The OCC and other consumer sites also lay out fraud reporting steps.
5. Monitor your accounts and credit reports. Consider a fraud alert or credit freeze if you see additional suspicious activity.

If you DID buy something and the charge is wrong (duplicate, wrong amount, never delivered)

1. Contact the merchant first. Use the contact info on the merchant’s official site (Zlatarna Križek’s site lists email and phone). Ask for order confirmation, invoice, and explanation. Keep records of your communications.
2. If the merchant won’t fix it, file a dispute with your card issuer. Under U.S. law and CFPB guidance, the quickest path to a resolution is to notify the issuer and supply documentation that the charge is incorrect.
3. If the issuer denies your dispute, you can escalate: file a complaint with the Consumer Financial Protection Bureau (CFPB) and, if needed, consult your state attorney general or a consumer-protection attorney.

What to expect from the dispute process (realistic timeline)

• Immediate: Card issuer logs a dispute when you call and may provisionally reverse the charge while investigating.
• 10 business days: Many banks investigate within ~10 business days (time varies by issuer and case). If it’s a debit card, Regulation E gives specific timeframes; credit cards follow the Truth in Lending Act/Fair Credit Billing Act timelines.
• 30–90 days: Full investigations and chargeback outcomes can take weeks to months, especially for international merchants or when the merchant contests the charge. Visa/Mastercard chargeback rules and reason codes drive merchant/issuer interaction.

What you should say when you contact your card issuer

• Identify the transaction: date, exact descriptor, amount.
• Clearly say: “This charge is unauthorized/I did not make this purchase” or “This charge is incorrect — duplicate/not delivered.”
• Ask for: the dispute reference number, whether provisional credit will be given, and expected next steps and timeline.

Keep your tone firm and factual — your documentation is the evidence that gets the case resolved.

When a merchant name is legitimate but the charge is unexpected — common reasons

• Marketplace billing: A marketplace or payment processor sometimes bills under a supplier’s legal name, not the store name you recognize.
• Authorization / test charges: Small temporary authorizations can show up while a merchant verifies a card. They usually disappear within a few days.
• Card number leaked: Fraudsters sometimes use valid merchant descriptors to hide behind plausible names.
• Billing descriptor differences across countries: International merchants may appear with local names or codes on U.S. statements.

Because of these possibilities, verification — not assumption — is key.

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FAQ

Q: Is Zlatarna Križek a scam?

A: No credible public records indicate the company is a scam. It’s a real Croatian jeweler with an online store and listed contact details. But consumer-reported databases have flagged the descriptor in isolated user reports — which is why you should verify any unexpected charge rather than ignore it.

Q: How long do I have to dispute a credit-card charge?

A: Under the Fair Credit Billing Act, you should notify your issuer within 60 days of the date the issuer mailed the statement showing the error to limit liability and get dispute protections. Also contact the issuer immediately for the fastest possible action.

Q: Will I get my money back?

A: Many consumers receive a provisional credit while the issuer investigates. Final outcomes depend on the evidence. If the issuer wins the chargeback, you keep the refund; if the merchant proves the charge was valid, the provisional credit can be reversed. Stay persistent and provide documentation.

Q: Should I contact the merchant directly?

A: Yes — if you have reason to believe the purchase may actually be legitimate (wrong account, duplicate shipment, etc.). Use contact info from the merchant’s official website. If you don’t get a satisfactory answer, proceed with the issuer dispute.

Bottom line — quick checklist to follow right now

1. Copy the full transaction descriptor, date, and amount.
2. Search email and ask household members.
3. Call your card issuer and open a dispute; request card block/replacement.
4. Document everything and keep the dispute reference.
5. If needed, file reports with FTC/IC3 and the CFPB.