Learn about the “KINGS CROSS WAITROSE” charge and why it is showing on your credit card statement.
What is this charge for?
This charge is likely a purchase made at the Waitrose store located in Kings Cross, London. Waitrose is a UK-based supermarket chain that offers a range of groceries, household items, and other products. The specific charge may correspond to the cost of the items purchased, including any applicable taxes or fees.
Waitrose is a UK-based supermarket chain that was founded in 1904 and has since grown to become one of the country’s leading grocery retailers. The company is known for its focus on quality and customer service and offers a range of products including fresh produce, bakery items, meat and poultry, dairy, and more. Waitrose also has a range of own-brand products and has implemented various sustainability initiatives, such as reducing plastic packaging and sourcing products from local and ethical suppliers. Waitrose operates over 300 stores across the UK and is owned by the John Lewis Partnership.
How to determine whether a credit charge is fraudulent or unauthorised?
- Merchant
- Is the merchant’s name familiar to you, or does it look different from what you expect?
- Does the type of product or service align with what you usually purchase?
- Are there any complaints or fraud reports associated with the merchant?
- Amount
- Does the amount match what you remember spending, or is it significantly higher or lower?
- Is it a duplicate charge?
- Date of occurrence
- Does the date of the charge align with any known transactions?
- Potential recurring charge
- Was this charge expected as part of a subscription or regular payment?
- Authorised transaction
- Did you consciously make a purchase or subscribe to a service associated with this charge?
- Unauthorised charges
- Have you provided your credit card details to anyone or any service that could lead to unauthorised charges?
- Could someone else on your account have made the charge without your knowledge?
If you’re unfamiliar with the merchant and the transaction, it is likely a fraud or unauthorised transaction.
What should I do if I suspect fraud?
- Take note of the unfamiliar transaction, including the merchant’s name, the amount, and the date. Then gather documentation such as receipts, transaction confirmations or any correspondence related to the transaction in question.
- Call your bank or credit card company immediately to notify them of the suspected fraudulent charge. Ask them for a specific procedure for disputing the charge and request a fraud investigation.
- Secure your account by updating your online banking passwords, setting up alerts for new transactions, or freezing your credit.
- Check the status of your dispute and ask for written confirmation of the outcome.