What is the "BTR ASSETS LLC" charge on my credit card?

A “BTR ASSETS LLC” charge on your credit card is not something we’re familiar with. It could be evidence of fraud, so you should contact your card’s issuer to find out more information and dispute the charge if necessary.

If the charge is indeed fraudulent, your issuer can send you a new card with a new number in order to prevent any further illegitimate transactions. You also won’t have any liability for the fraudulent transaction.

For this charge and all future credit card charges you don’t recognize, there’s a series of steps you should take in order to make sure your account is secure.

What to Do When You See a Suspicious Credit Card Charge

1. Review your statements: Thoroughly examine your credit card statements to ensure the charge is not a legitimate transaction that you may have overlooked or forgotten. Also, search for any other similar charges you don’t recognize.
2. Talk to your authorized users: If you share your credit line with anyone else, ask them if they recognize the charge, in case it’s something they purchased that you were unaware of.
3. Contact your credit card issuer: Contact your issuer’s customer service department by calling the number on the back of your card. Report the suspicious charge to your issuer and request further investigation.
4. Dispute the charge: If your issuer is not able to clear up the issue, dispute the charge. You can typically do this either over the phone with a customer service representative or online.
5. Request a new card: Getting a new credit card with a new number can prevent further instances of fraud from the same source. This will not affect your credit score or the terms of your account in any way.
6. Consider fraud alerts or credit freezes: Consider placing a fraud alert or even a credit freeze on your credit file. A fraud alert notifies creditors to take extra steps to verify your identity before extending credit, while a credit freeze restricts access to your credit report, making it more difficult for fraudsters to open new accounts in your name.
7. Monitor your account: Keep a close eye on your credit card account for any additional unauthorized transactions. Consider setting up transaction alerts or notifications to receive real-time updates on account activity. Report any new suspicious charges promptly to your credit card issuer for investigation.
8. Monitor your credit report: Regularly review your credit report for any unusual activity, such as new accounts opened in your name or inquiries you didn't initiate. You can obtain free weekly copies of your credit reports from each of the major credit bureaus at AnnualCreditReport.com. Plus, you can view daily updates to your TransUnion credit report for free on WalletHub. WalletHub also offers free credit monitoring, which notifies you of important changes to your credit report.

In conclusion, we recommend reporting suspicious charges to your credit card issuer as soon as possible and taking other necessary steps to make sure your finances are secure. For example, you can sign up for transaction monitoring. You will be able to customize your alerts so you know pretty much right away when suspicious purchases are made.