Seeing an unfamiliar Finsights charge on bank or credit card statement can feel unsettling. You’re not alone. Many people notice this line item and wonder if it’s a mistake, a forgotten subscription, or something worse.
In most cases the charge comes from a real company offering a personal finance tool. Still, you should verify it right away.
This guide walks you through exactly what the Finsights charge on bank statement is, why it showed up, how to confirm it, cancel if you want, and what steps to take if it looks unauthorized.
Table of Contents
What Is the Finsights Charge?
Finsights (also appearing as Financial Insights or related variations) is a personal finance management service operated by Credique, LLC, based in Miami, Florida.
The company markets tools that help users track accounts, monitor credit, create debt-payoff plans, and receive financial insights in one place.
The charge typically appears as a recurring monthly subscription, often in amounts such as $29.95, $34.95, or $39.95. On your statement the billing descriptor may show as “Finsights,” “Financial Insights,” or a close variation tied to the merchant.
Credique runs several consumer finance brands. Finsights is one of them, positioned as an AI-supported tool for budgeting, expense monitoring, and credit health. The service is not a bank or lender. It is a third-party software subscription.
Why Did This Charge Appear?
Several common reasons explain a Finsights charge:
- You or someone in your household started a free trial that converted to a paid monthly plan.
- You signed up through an online offer, partner website, or affiliate promotion and the trial ended.
- A family member or authorized user on your card enrolled.
- The charge is a legitimate recurring subscription you authorized but later forgot.
- Less commonly, it could be a duplicate billing or processing error.
Many users report they do not clearly remember enrolling. This is typical with subscription offers that begin with a trial period.
Always check your email (including spam) for confirmation messages from financialinsightai.com, finsightsai.com, or related domains.
How to Verify the Charge
Follow this checklist:
- Note the exact date, amount, and full billing descriptor on your statement.
- Search your email for “Finsights,” “Financial Insights,” “Credique,” or the exact amount.
- Log into any personal finance or member portals you use and look for an active subscription.
- Ask household members whether they signed up for a budgeting or credit tool.
- Call the number listed on the statement or the official customer service line (1-877-201-1311) during business hours (Monday–Friday, 10 a.m.–6 p.m. EST) and ask them to confirm the account details.
If the company can match the charge to an account under your name or card, it is likely legitimate. If they cannot, treat it as potentially unauthorized.
Is It Legitimate or Fraud?
Credique, LLC is a real company registered in Florida with a physical address at 66 W Flagler Street, Suite 929, Miami, FL 33130. The service itself is a commercial product.
That said, consumer reports on forums frequently describe unexpected recurring charges and difficulty stopping them.
Some people call the charges a scam because they did not realize they had subscribed. Others successfully cancel and receive help from the company or their bank.
Warning signs that deserve extra attention:
- The charge keeps returning after you request cancellation.
- You never received any welcome email or login credentials.
- The amount increases without notice.
- Multiple small charges appear in a short period.
If any of these apply, contact both the merchant and your bank promptly.
How to Cancel Finsights
According to the company’s own billing page, cancellation is handled by phone, email, or mail:
- Call 1-877-201-1311 Monday–Friday, 10 a.m. to 6 p.m. EST. Ask to cancel your membership and request written confirmation.
- Or email hello@financialinsightai.com with your full name, the last four digits of the card charged, the transaction dates and amounts, and a clear request to cancel and stop future billing.
- Or write to:
CREDIQUE, LLC
66 W Flagler Street, Suite 929
Miami, FL 33130
Keep records of every call (date, time, representative name) and every email. After canceling, monitor your statements for at least two billing cycles to confirm the charges have stopped.
Can You Get a Refund?
Refund eligibility depends on the company’s policy and how recently the charge posted. The official guidance is to call the same customer service number and request a refund review. There is no public guarantee of automatic refunds for every case.
If the merchant declines or does not respond, you can dispute the charge with your bank or credit card issuer. Credit cards generally offer stronger protections than debit cards under federal rules.
Start the dispute as soon as possible, most issuers have time limits (often 60 days from the statement date).
What to Do If the Charge Is Unauthorized
- Call your bank or credit card issuer immediately and report the charge as unauthorized. Ask them to block future charges from that merchant.
- Request a new card number if the issuer recommends it. Explicitly tell them not to transfer any existing subscriptions to the new card.
- Contact Finsights/Credique at the number or email above and state that you never authorized the subscription.
- Document everything: screenshots of the statement, call logs, and written correspondence.
- File a complaint with the Federal Trade Commission at ReportFraud.ftc.gov and consider reporting to the Consumer Financial Protection Bureau if the issue is not resolved.
- Monitor your credit reports and bank accounts for any additional unusual activity.
Prevention Tips
- Turn on real-time transaction alerts for every card and bank account.
- Review statements weekly instead of waiting for the monthly summary.
- Use a virtual card number or secondary card for free trials and online subscriptions.
- Read the fine print on any “free trial” or “instant credit score” offer before entering payment details.
- Keep a simple list of active subscriptions and cancel anything you no longer use.
- Prefer services that offer clear click-to-cancel options rather than phone-only cancellation.
- Regularly check your email for trial-expiration warnings.
- When getting a new card, ask the issuer to stop all recurring payments tied to the old number.
Common Descriptor Variations
| Statement Text | Likely Source |
|---|---|
| Finsights | Credique Financial Insights |
| Financial Insights | Same service |
| FININSIGHTS / FIN INSIGHTS | Possible abbreviated form |
| Related Credique brands | Other tools from the same company |
FAQs: Finsights Charge on Bank Statement
Q. How much is the typical Finsights charge?
A. User reports and cancellation videos most often mention $29.95, $34.95, or $39.95 per month. Exact pricing can vary by plan or promotion.
Q. Can Finsights keep charging after I cancel?
A. If cancellation is processed correctly, charges should stop. Always confirm in writing and watch the next one or two statements. If a charge posts after cancellation, dispute it with your bank.
Q. Is Finsights the same as the institutional Finsight.com platform?
A. No. Finsight.com (without the “s”) is a separate capital-markets data company. The consumer bank-statement charge is tied to Credique’s Finsights / Financial Insights personal-finance product.
Q. What if I never received login details?
A. Contact customer service with the charge details. If they cannot locate an account linked to your information, treat the charge as unauthorized and dispute it through your bank.
Conclusion
A Finsights charge on bank statement is usually a recurring subscription for a personal finance tool run by Credique, LLC. It is often legitimate but easy to overlook if it began as a free trial.
Verify the charge, cancel if you no longer want the service, and dispute it promptly if it is unauthorized.
Checking your statements regularly and using transaction alerts remains the simplest way to avoid future surprises.
Disclaimer: This article is for informational purposes only and is not financial, legal, or professional advice. Policies, contact details, and refund practices can change. Always confirm current information directly with the merchant and your financial institution.
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