If you notice a Vault Lifestyle Shop charge on your credit card, you may be wondering what the payment is for and whether it is legitimate. The charge is associated with the online store at VaultLifestyleShop.com, which identifies Vertex Marketing LLC as the business behind the website.
The charge may relate to a product purchase, a recurring membership, or another billing arrangement. However, if you do not recognize the transaction, you should investigate it rather than assume it is legitimate.
What Is Vault Lifestyle Shop?
Vault Lifestyle Shop is an online retail website. Its official checkout page identifies VaultLifestyleShop.com as the billing descriptor that may appear on a customer’s credit card statement.
The website lists Vertex Marketing LLC as the associated business and provides customer support through its website, email, and phone number.
- Website: https://www.vaultlifestyleshop.com/
- Customer service email: customerservice@vaultlifestyleshop.com
- Customer service phone: 1-888-506-7987
- Listed business: Vertex Marketing LLC
If the name on your statement looks similar but is not an exact match, check the complete transaction details with your card issuer before assuming it came from this merchant.
Why Is Vault Lifestyle Shop Charging My Credit Card?
There are several possible explanations for this charge.
1. A One-Time Online Purchase
You may have purchased a product through Vault Lifestyle Shop or an online advertisement that directed you to its website. The merchant’s checkout page describes its standard purchase as a one-time sale.
If you recently ordered something online, look for a matching receipt, order confirmation, or shipping email.
2. A Recurring Membership Fee
One important detail is that the website also advertises a separate Member Rewards Program with recurring billing.
The membership fees listed in the website’s terms are:
| Membership tier | Listed monthly fee |
|---|---|
| Tier 0 | $4.99 |
| Tier 1 | $9.99 |
| Tier 2 | $19.99 |
| Tier 3 | $24.99 |
According to the website’s terms, the selected membership fee may be charged automatically every 30 days until cancellation.
These amounts can help you investigate a charge, especially if the same payment appears repeatedly on your statement. However, a matching amount does not prove that the charge came from a membership.
Official source: https://www.vaultlifestyleshop.com/terms
3. A Subscribe and Save Arrangement
The website also describes a separate Subscribe and Save program involving recurring product shipments and automatic billing.
If you previously enrolled in such a program, check your order confirmation and subscription terms to determine whether the transaction is related to a scheduled shipment.
Do not assume that every recurring Vault Lifestyle Shop charge comes from the Member Rewards Program. The original order and billing records are needed to identify the exact reason.
4. An Unauthorized Transaction
If you never purchased anything from Vault Lifestyle Shop, did not knowingly authorize a membership, and cannot identify an authorized user who made the transaction, the charge may be unauthorized.
In that situation, contact your card issuer promptly. You do not need to establish exactly how the transaction occurred before reporting a charge you did not authorize.
Have Customers Reported Problems With Vault Lifestyle Shop?
Yes. Consumer reports and online reviews describe several types of problems associated with the merchant or its billing descriptor.
Unexpected Membership Charges
Some Trustpilot reviewers have reported monthly charges of $9.99 or $24.99 that they said they did not expect after making a product purchase.
These reports are consistent with the membership fees disclosed on the website, but they do not establish whether each reviewer knowingly enrolled in a membership.
Missing Orders and Tracking Information
A BBB Scam Tracker report dated March 13, 2026, describes a consumer who reported a $109.33 loss after ordering reading glasses through an online advertisement. The consumer alleged that the order did not have adequate tracking information and that obtaining a refund was difficult. The report identifies a transaction descriptor containing the name Vault Lifestyle Shop and its customer service phone number.
This is an individual consumer report, not a final legal finding.
Product Quality and Return Concerns
A report published on ScamPulse describes a consumer’s experience purchasing Vital Health Rings. The consumer reported problems with charging the products and difficulties obtaining clear return information. The report also mentions the VaultLifestyleShop.com billing descriptor.
Again, this is a consumer allegation and does not establish that every order from the website has the same problem.
What Do These Complaints Mean?
These reports suggest that unexpected billing, order fulfillment, and refund concerns are worth investigating. They do not prove that every Vault Lifestyle Shop transaction is fraudulent.
ScamAdviser has also described the website as “Very Likely Safe” in its automated assessment. That assessment does not verify individual charges or guarantee that a merchant’s billing practices will meet every customer’s expectations.
For a balanced assessment, distinguish the company’s published terms from individual customer allegations.
How to Stop Vault Lifestyle Shop Charges
If you believe the charge is incorrect or unwanted, take the following steps.
Step 1: Review Your Credit Card Statement
Write down the exact transaction amount, date, and full billing descriptor. Check whether the charge is pending or posted and whether similar payments appeared in previous months.
Step 2: Search Your Email
Search your inbox and spam folder for:
- VaultLifestyleShop
- Vertex Marketing
- Order confirmation
- Member Rewards
- Subscribe and Save
- Membership cancellation
A receipt or membership email may help explain the payment.
Step 3: Contact the Merchant
You can contact the business using the details listed on its official website:
Email: customerservice@vaultlifestyleshop.com
Phone: 1-888-506-7987
Ask for the order number, the product or membership associated with the charge, the date of authorization, and a written explanation of the billing arrangement.
If the charge relates to an unwanted membership, request cancellation and written confirmation. Keep copies of your messages and any refund promises.
Do not delay contacting your card issuer if you believe the transaction is unauthorized.
Step 4: Dispute an Unrecognized Charge
If you did not authorize the payment, contact the number on the back of your credit card and report the transaction as unrecognized or unauthorized.
Ask your issuer to investigate the charge and explain the dispute process, applicable deadlines, and whether additional action is needed to prevent future transactions.
For US credit cards, the Consumer Financial Protection Bureau explains that written billing-error notices generally should be sent within 60 days after the charge appears on the statement. Follow your issuer’s instructions and do not wait until the deadline approaches.
You can find consumer guidance at https://www.consumerfinance.gov/consumer-tools/credit-cards/
Step 5: Protect Your Card From Further Charges
If you suspect your card details have been compromised, ask the card issuer whether the card should be locked or replaced and whether recurring merchant payments can be blocked.
Replacing a card does not always automatically cancel a legitimate subscription, so ask the issuer how recurring payments will be handled.
Frequently Asked Questions
Is Vault Lifestyle Shop a legitimate company?
The website identifies Vertex Marketing LLC and publishes product-purchase and membership terms. However, a website’s existence and published terms do not establish that a particular charge is authorized or that every customer experience will be satisfactory.
Why am I being charged $24.99 by Vault Lifestyle Shop?
One possible explanation is the $24.99 monthly Member Rewards tier listed on the website. The amount alone cannot confirm that explanation. Check your order and membership records or request transaction details from the merchant.
Is Vault Lifestyle Shop a scam?
The available evidence does not justify declaring every transaction fraudulent. However, consumer complaints about unexpected charges and order-related problems warrant caution. If you do not recognize a payment, contact your card issuer and request an investigation.
How do I cancel Vault Lifestyle Shop membership?
The website’s terms direct customers to contact customer service to cancel membership. Request written confirmation and check your next statement. If additional unauthorized charges occur, notify your card issuer.
Can I get a refund from Vault Lifestyle Shop?
The website advertises a 30-day money-back guarantee for qualifying initial purchases. Refund eligibility may depend on the purchase, timing, and applicable terms. Membership fees and product refunds may be handled differently, so request a written explanation of the applicable policy.
Final Thoughts
A Vault Lifestyle Shop charge on your credit card may be associated with a one-time purchase, a recurring Member Rewards membership, or a separate recurring product arrangement. The website’s published terms list monthly membership fees ranging from $4.99 to $24.99, while consumer reports describe unexpected billing and order-related concerns.
The best way to identify your specific transaction is to compare your statement with your receipts and membership records. If you did not authorize the charge, report it to your card issuer promptly and ask about disputing it and preventing further payments.
Remember: An unfamiliar billing descriptor is a reason to investigate, not proof by itself that a transaction is fraudulent.
Read Also:-Freshtech Charge on Credit Card
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.
