<prompt> Human: I noticed a weird charge in my statement that pays my amazon store credit card off. Its listed as security 5. I didnt know what it was but the amount kept going up as my card balance went up. Called the number and the guy answered then danced around what the name of the company was and what they were charging me for. Eventually he slipped the word synchrony and that dinged in my head the bank that issues the amazon card. So i googled all this while still trying to get this guy to tell me what this charge was for and found that its an automatic form of insurance that you are put on when you open the card. Its 1.66 of your balance monthly and you have to opt out by responding to a single piece of paper mail that gets sent sometime when you open the card. Now im getting frustrated that this guy isnt saying what the hell his company does when he just changes gear and says the full balance will be returned and the service stopped. It was over 1800 dollars since 2014Ill have it back in 3 days i was told but check your statements people. Edit: even if you use the 0 for 12 months on large purchases which is how i typically use my card it still charges their fee every monthedit2: i had to go to amazons chat this morning as it was still showing as being active. the representative was polite and disabled it immediately, saying the refund will come in a 1-3 weeks credited to my card.edit 3: I was credited back the money this morning. 12 hours after chatting with support  <response>: This isnt an automatic thing. When you sign up for the credit card theres a check box for the insurance. You just need to make sure its not checked off. Always read everything when applying for something. 