GFW*3GLDSCR.COM is the charge associated with Golden Scores, LLC credit monitoring service. While many users have complained online about these charges many did seem, based on claims on the BBB website, to have signed up for the service in the past.

The company seems to have a related service that charged people under the merchant name CHECKFREESCO.

Concerned about a reocurring charge from “HUM COMPBEN E MER” on your credit card statement? While it’s not impossible for this to be a fraudulent charge, it’s very likely that this is actually a legitimate charge from Humana Insurance, usually Humana Dental Insurance.

Previously you might have seen this charge on your statement as “Humana Comprehensive Benefits”.

This charge might more, specifically appear as:

• CHKCARDHUM COMPBEN E MER GA
• POS Debit HUM COMPBEN E MER GA
• PRE-AUTH HUM COMPBEN E MER GA

Or similar variants, with some sort of prefix description and then the “COMPBEN E MER GA” phrase.

While “HUM COMPBEN” might seem super confusing to most people, it makes sense with some context. HUM is short for “Humana” which is a popular health insurance company and “COMPBEN” is short for “Compensation and Benefits” which are exactly what you pay your insurance company for.

This is an Amazon.com-related charge that you might find on your credit card statement. “AMZN.COM/BILL” is often believed to be a fraudulent charge because it uses a shortened version of “Amazon” but this is generally a legitimate charge descriptor.

You can check the legitimacy of this by going to “AMZN.COM/BILL” in your web browser and you will see that the page points to an Amazon.com page explaining common misconceptions about credit card charges that might seem to be fraud but are actually from Amazon.

This charge might appear on your credit card statement as “AMZN.COM/BILL, WA 981090000” or as “AMAZON.COM*AAAAAA123456 AMZN.COM/BILL WA”.

If you’ve found a confusing charge with “AMAZON SERVICES-KINDLE 866-321-8851” written on your statement, there is a good chance you might be confused, as it doesn’t appear to be a standard Amazon.com charge.

This was, for a time, a standard credit card statement descriptor used by Amazon.com for Kindle digital book purchases. The charges might look like:

AMAZON SERVICES-KINDLE 866-321-8851
Ref# 1234567MM00N6TT00

Where the reference number would change based on your specific purchase.

This charge has also appeared in our research as, “Amazon Services-Kindle 866-321-8851 WA”.

Note: This charge descriptor was popular for some time, mainly around 2012 to 2013 but doesn’t seem to be used as much, if ever, at this point. It’s largely been replaced with “Amazon Digital Svcs amzn.com/bill“.

While “AMZ*Prime Shipping Club amzn.com/bill” might seem like an unorthodox charge description, Amazon tells us that it is, in fact, a legitimate charge and a credit card description that the company does use.

If you see a charge on your credit card statement from “AMAZON MKTPLACE PMTS AMZN.COM/BILL WA” then it is likely because you have made a purchase from Amazon.com Marketplace program. The product you purchased was likely sold by a 3rd party seller on Amazon.com.