What is MICROSOFT*365 on my credit card statement?

Q: How do I stop Microsoft from charging my credit card?

Log into your Microsoft account online and go to the Services & Subscriptions page. Find your plan and click Turn off recurring billing to prevent any future payments.

This is a charge from Microsoft for a Microsoft 365 subscription, which gives you Word, Excel, PowerPoint, OneDrive, and Outlook. You're paying for it monthly or yearly, and it probably auto-renewed.

Full Name & What It Is

The code on your bill is the specific billing name for a Microsoft 365 subscription. You might remember it as Office 365, but Microsoft changed the name a few years ago. This isn't a one-time purchase — it's a recurring service. You get Word, Excel, PowerPoint, Outlook, and 1TB of OneDrive cloud storage. Plans: Microsoft 365 Personal ($69.99/year or $6.99/month), Microsoft 365 Family ($99.99/year or $9.99/month, for up to 6 people). Most people see this charge because they bought a new laptop that came with a free trial, entered their card, and forgot to cancel before the trial ended.

Merchant Code: MICROSOFT*365

Company: Microsoft Corporation

Service: Microsoft 365 Subscription (Office apps + OneDrive)

Common Scenarios

1. New Laptop Free Trial

You bought a new Windows laptop six months ago and accepted the "1-month free trial" of Office during the setup process.

2. OneDrive Storage Upgrade

Your phone storage was full, so you upgraded to a Microsoft plan to get 1TB of space for your photos and videos.

3. Resume or Project Quick Fix

You needed to edit a resume in Word for a job application and signed up for the monthly plan to get it done quickly.

4. Family Plan Sharing

A family member added your credit card to their Microsoft account so they could share the Family plan with others.

5. Tax Season Excel Use

You used Excel last year to help with your small business taxes and didn't realize the annual renewal date was coming up.

Is This a Scam?

✅ Legitimate charge from Microsoft.

Honestly, most of these are fine. It's a legitimate charge from Microsoft. But it's one of the most disputed charges in the world because people forget about auto-renewals. Don't panic yet — check your email inbox for any receipt from Microsoft. They send a receipt for every charge. Check with anyone else in your house too. If your kid has a laptop for school, they might have clicked a button to get the apps they need. If you've checked everything and still don't recognize it, it's possible someone used your card on their own account.

Customer Service

Phone:

1-877-696-7786

Microsoft Support

Website:

account.microsoft.com

Sign in → Services & Subscriptions

Reddit User Discussions

"I didn't think I needed the sub until I lost my phone and realized all my photos were backed up on OneDrive."

— u/CloudStorageGuru

"The charge hit me right after my one-month trial ended, but luckily Microsoft gave me a refund since I hadn't opened Word yet."

— u/StudentBudgetLife

"I share the Family plan with five other people, so it's actually way cheaper than paying for everyone separately."

— u/WorkFromHomeMom

How to Get a Refund

Step 1. Log in to account.microsoft.com with the email address linked to your subscription.

Step 2. Navigate to the "Services & subscriptions" section and find the Microsoft 365 entry that matches your charge.

Step 3. Click on "Manage" and then select "Cancel subscription" to stop future charges.

Step 4. Look for the option that says "Cancel now and get a refund" if you are within the 30-day window for annual renewals.

💡 Want complete dispute templates and bank phone scripts? Get the Pro Guide →

Frequently Asked Questions

Why was I charged $99.99 for MICROSOFT*365?

This is the price for a yearly Microsoft 365 Family subscription. It usually happens because a free trial ended or your previous annual plan renewed automatically.

How do I stop Microsoft from charging my credit card?

Log into your Microsoft account online and go to the "Services & Subscriptions" page. Find your plan and click "Turn off recurring billing" to prevent any future payments.

Can I get a refund for a Microsoft 365 charge?

Yes, Microsoft usually offers a refund if you cancel within 30 days of an annual charge. You can request this directly through your account dashboard or by calling 1-877-696-7786.