What is the "SOHAM INC" charge on my credit card?

A “SOHAM INC” charge on your credit card is a purchase from zenoti.com, which provides cloud-based software solution for the Spa, Salon and financial businesses. If you do not recognize this purchase, you should first contact the company and then your credit card issuer to find out more information.

Hopefully, you should be able to either confirm the charge is legitimate or get it resolved as a simple mistake with the company that charged it. But in the worst-case scenario, you can always dispute the charge. You won’t have any liability for the fraudulent transaction.

To help you determine whether this charge is fraudulent or legitimate, here is some background information about the biller.

Information About zenoti.com

• zenoti.com is a legitimate company.
• zenoti.com has a rating of F from the BBB.

Even if this charge turns out to not be incorrect or fraudulent, it’s good to know how to handle these types of charges in the future.

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 credit reports from each of the major credit bureaus once a year at AnnualCreditReport.com. Plus, you can view your TransUnion credit report for free on WalletHub, updated daily. WalletHub also offers free credit monitoring, which notifies you of important changes to your credit report.

In conclusion, we recommend reporting the “SOHAM INC” charge 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 from WalletHub. You will be able to customize your alerts so you know pretty much right away when suspicious purchases are made.