Apple taking money off my card..

If you didn’t have to put a credit card or debit card on your iPhone than you would have to enter it every time you wanted something. I’ve been charged 500 dollars almost in two months for a few Asian drama series apps I bought a week. Canceled the subscription the same day to make sure I wouldn’t forget. They keep charging me, and won’t reimburse my money. Max it would be 200 at best. I know a couple were free for a week, and on Apple it’s a says free, and than the same day charged 19.99. I wonder how much was stolen from me when I had a credit card on my phone instead of debit.

[Edited by Moderator]

Your first step is to try to identify the reason for, and source of, these charges. They may be perfectly valid charges you simply do not recognize.

The support article If you see 'apple.com/bill' on your billing statement - Apple Support explains how you can check your iTunes and App Stores purchase history, cancel subscriptions, and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by Family Sharing members (you should see a receipt), others sharing your card (such as a spouse or a second Apple Account you have; you may not see a receipt). The article also provides a specific link for contacting Apple if you cannot trace the source of charges. If you use Apple Card you may find this document helpful too ➞ If you see an Apple Services charge you don't recognize on your Apple Card - Apple Support

Also note this service: View your App Store and iTunes Store purchases directly from your financial institution - Apple Support

"When you sign in to your financial institution website or mobile app and view your recent purchases from the App Store, iTunes Store, Apple Books, or for Apple Music or iCloud services, you may see an option—such as View Receipt—that allows you to view more details about your transaction."

Other possibilities to consider (not all may apply in your situation):

● Purchases can be made with your ID if your Apple ID is compromised (read what to do ➞ If you think your Apple Account has been compromised - Apple Support ) or somebody else has access to your device (require a purchase password as explained in this article ➞ Require a password for purchases in the App Store and other Apple services - Apple Support ).

● If you only see a charge in emails or texts that are not official Apple receipts, it is likely phishing attempts (see the article: Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support ).

● If you are absolutely certain neither you, nor Apple, nor a Family Sharing member can account for a charge and it ONLY appears on a bill for a charge card you alone control, you may have been the victim of card fraud. Contact your financial institution.

● Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ How apps, content, and subscriptions from Apple are billed - Apple Support ).

● Unanticipated amounts may be grouped charges ( How apps, content, and subscriptions from Apple are billed - Apple Support ).

If using Family Sharing and viewing purchase history under Report A Problem, make sure the “Apple ID” box is set to All.” If a purchase is listed in your purchase history and you want to ask for a refund, read this article about how to request a refund for apps or content that you bought from Apple ➞ Request a refund for apps or content that you bought from Apple - Apple Support

If a Family Sharing member made the purchase then you need to discuss this with that person. They would have to initiate any refund request.

If a reporting a problem request is unsuccessful or you have another issue you can also speak with Apple ➞ Choose your country or region - Official Apple Support

Select your country (if you do not see your country, also look for "other" regions; e.g., "Other Africa"), then "Choose a product". Click the "show" item under each category for more selections. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

Contact Apple for support and service ➞ "See a list of Apple phone numbers around the world."

Click here ➞ https://support.apple.com/HT201232

Prepaid cards may not be accepted if you try to enter one. They tend not to be associated with a true account and likely Apple won't accept something essentially anonymous.

Apple will check if a card is working just after you enter it. Your blocked card won't work and will be declined.

I am elderly and have been a victim of fraudulent use of my debit card several times. The bank does refund the fraudulent charges but I am not as young as I used to be and I’m terrified of missing a fraudulent charge. I live alone, I pay my carrier for my service through the mail. I really feel open for fraud having a card on my phone. Please, can I pay by phone or check?

So, in essence, we have to agree to give you our credit information or money deposits for your companies to allow us to use of our Apple iPhones? Can we return our devices for a full refund if we purchased it before you started to lock us out for not sharing access to our money with you?

Again it is not my company. I am an elderly person sitting at home having morning coffee and helping other Apple product users.

You can use your iPhone how you wish. The basic features don't require any payment method. It's once you want to start getting additional features that you may to have a payment method. This is like my walking into a store and them telling me they only accept cash.

You can add a card when you buy something, then remove it again.

You may find that after you have added a card once, that if anything else it truly free you won't need to have a card on your account.

Subscriptions will always require a card be present. I have no subscriptions and I have no card on my account.

I will never buy & Apple phone again. It’s a nightmare. They got me for 500 almost in 2 months charging canceled subscriptions. It’s a hot mess. Get a prepaid Mastercard. Use most of it then put it on your phone. Or a blocked credit card will work.

I would prefer paying for a purchase at the time of purchase - its a matter of my security

Phone or check are not options.

The people responding to you are customers like yourself (many of whom are also elderly). We do not design the payment system, we just know what it is.