Seniors and others have been discovering unordered merchandise or services charged to their creditMoney loaned or the ability of an individual or company to borrow money. card accounts following a regular face-to-face or telephone purchase transactions. They find that the merchant or its affiliate has charged the account separately for a "credit card protection" plan, a discount buying service, or a travel program. Sometimes these charges have been inserted onto the account with absolutely no authorization or discussion by the customer. At other times, the merchant or telemarketer mentions the extra service or product to the customer almost in passing as he or she processes the regular transaction, then charges for the additional product or service without getting the customer's clear consent. Always dispute these charges promptly with your credit card issuer and the merchant.