<prompt> Human: I just got off the phone with my credit card company reporting a fraudulent charge from an unnecessary monthly credit report monitoring service. Theyre cancelling my card and reissuing it to me, but before I hung up, the rep began spouting off a scripted upsell...of the same monthly credit report service. Im not sure how the charge appeared on my card in the first place, but the only thing that makes sense in my mind is that Ive heard these upsells before and during the last call me or my SO had call with this company, they caught us unawares it can sometimes be hard to understand what the person on the other line is saying. Its very easy for a rep on the other side to manipulate you to agree as theyll always form the upsell in a form of a question e.g., Were going to provide you with amazing monthly credit score protection, OK?.Just wanted to provide a heads up to always carefully listen for upsells on the phone so youre not caught unawares!P.S. First time poster, long time lurker, Im debt free thanks to this subreddit, thanks!  <response>: My wifes mother was paying for a monthly credit monitoring service from a credit card for years without knowing. She finally paid off the balance and noticed a recurring charged from it. We got it reversed and refunded 700. Since her mother doesnt speak English she never could approve those charges. 