<prompt> Human: Long story short, I just found out that my credit card has been 29 a month for the last two years from a company I have never done business with. I called the merchant and Chase, and they both said the best they can do is refund the last six months. Is there anything I can do, or should I just chalk it up to a lesson learned. Also, yes I know I am an idiot for not spotting it sooner.  <response>: For 2 years you never looked at your statement? Wow. Not much you can do, take the 6 months refund. 