Have you ever checked your credit card statement and spotted a 10400 NE 4th St charge on credit card and you’re scratching your head, wondering where it came from. Don’t worry, you’re not alone!
Mysterious charges can be confusing, but I’m here to break it down for you in a simple way.
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What Is the 10400 NE 4th St Charge?
The “10400 NE 4th St” charge on credit card usually points to a transaction from a business located at that address. This address is in Bellevue, Washington, a busy city near Seattle known for its bustling commercial scene.
Think hotels, restaurants, corporate offices, and shopping centers. The charge could be from a purchase or service you used at one of these places.
Sometimes, the business name on your statement might not match what you expect. For example, a restaurant might use a parent company’s name, or a hotel might process charges under a management group. That’s why seeing “10400 NE 4th St” instead of a familiar name can feel puzzling.
Why Does This Charge Appear?
Credit card charges can pop up for all sorts of reasons. Here’s a quick look at why you might see a charge from 10400 NE 4th St:
- Recent Purchases: You might have dined at a restaurant, stayed at a hotel, or shopped at a store located at this address.
- Subscriptions or Memberships: Some businesses at this address might charge for ongoing services, like gym memberships or coworking spaces.
- Online Transactions: If you made an online purchase, the company’s billing address might be 10400 NE 4th St.
- Pending Charges: Sometimes, businesses place a temporary hold (like a hotel or gas station), which appears as a charge but later adjusts.
If the charge seems unfamiliar, it’s worth digging a little deeper to make sure it’s legitimate.
Where Is 10400 NE 4th St?
Let’s put this address on the map. 10400 NE 4th St is in the heart of Bellevue, Washington. This area is a hotspot for business and leisure, with plenty of activity. It’s close to major roads, public transit, and popular spots like Bellevue Square, a big shopping mall. The address itself is linked to places like office buildings, hotels, and restaurants.
Here’s a quick table to give you a sense of what’s around:
| Type of Business | Examples at or Near 10400 NE 4th St |
|---|---|
| Hotels | Hyatt Regency, W Bellevue |
| Restaurants | Local cafes, fine dining spots |
| Offices | Corporate headquarters, coworking spaces |
| Retail | Boutiques, specialty stores |
If you’ve visited Bellevue recently, this might jog your memory about a transaction.
How to Identify the Charge
Not sure where the charge came from? No problem. Follow these steps to get clarity:
- Check Your Statement: Look at the date, amount, and merchant name. Sometimes the merchant name is abbreviated or unfamiliar.
- Review Recent Activity: Think back to any trips, meals, or online purchases around the charge date. Did you visit Bellevue or buy something from a company based there?
- Contact the Merchant: If you suspect the charge is from a specific business, call them to confirm. Have your card number and charge details ready.
- Use Online Banking: Many banks let you view transaction details online. Look for extra info, like the merchant’s phone number or category (e.g., “Hotel” or “Restaurant”).
If you’re still stumped, it’s time to reach out to your bank.
What to Do If the Charge Is Unauthorized
Spotting an unfamiliar charge can be alarming, but don’t panic. If you think the 10400 NE 4th St charge is unauthorized, act quickly to protect your money. Here’s what to do:
- Call Your Bank: Use the number on the back of your card. Explain the charge and provide details like the date and amount. They might freeze your card to stop further charges.
- Request a New Card: A new card ensures no more unauthorized charges. Most banks send a replacement within a few days.
- File a Dispute: Gather your statement and any proof (like receipts or emails) that the charge isn’t yours. Log into your bank’s website and find the “Dispute a Transaction” section. Fill out the form carefully.
- Monitor Your Account: Keep an eye on your statement for other strange charges. Set up alerts for new transactions to stay on top of things.
Acting fast can save you a lot of hassle and help recover your money.
Common Businesses at 10400 NE 4th St
The 10400 NE 4th St address is home to various businesses. While I can’t list every single one, here are some common types that might show up on your statement:
- Hospitality: Hotels like the Hyatt or W Bellevue often process charges at this address.
- Dining: Restaurants or cafes in the area might use a shared billing address.
- Professional Services: Law firms, tech companies, or coworking spaces could be based here.
- Retail: Nearby shops might process payments through a central office at this address.
If you’ve been to Bellevue, one of these might ring a bell.
Tips to Avoid Mysterious Charges
Want to keep your credit card statement stress-free? Try these tips:
- Save Receipts: Keep receipts for big purchases, especially when traveling.
- Check Statements Weekly: Spot unfamiliar charges early by reviewing your account often.
- Use Virtual Cards: Some banks offer virtual card numbers for online shopping, which are safer.
- Set Up Alerts: Get texts or emails for every transaction to catch issues right away.
A little vigilance goes a long way in keeping your finances secure.
When to Seek Help
If you’ve tried everything and still can’t figure out the charge, don’t hesitate to get help. Your bank is your first stop, but you can also:
- Contact the Merchant: If you have a hunch about the business, call them directly.
- Check with Family: Sometimes a family member using your card (like for a hotel stay) might explain the charge.
- Report to Authorities: If you suspect fraud, report it to your local police or the Federal Trade Commission (FTC).
Most charges have a simple explanation, but it’s always good to be thorough.
FAQs: 10400 NE 4th St Charge on Credit Card
Q: Why don’t I recognize the merchant name for this charge?
A: Some businesses use a parent company or billing service name on statements, which can look unfamiliar. Check the charge date and amount to match it to your purchases.
Q: Is the 10400 NE 4th St charge a scam?
A: Not necessarily. It’s often from a legitimate business in Bellevue. But if you don’t recognize it, contact your bank to investigate.
Q: How long does it take to dispute a charge?
A: Disputes usually take 30-60 days to resolve, depending on your bank. Provide all details to speed things up.
Q: Can I prevent these charges in the future?
A: Yes! Monitor your statements regularly, set up transaction alerts, and use secure payment methods for online purchases.
Final Thoughts
Seeing a 10400 NE 4th St charge on credit card can feel like a mystery, but it’s usually just a transaction from a business in Bellevue, Washington. By checking your statement, contacting your bank, and following the steps above, you can solve the puzzle quickly. Stay proactive about monitoring your account, and you’ll keep your finances in great shape.
Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always consult your bank or a financial professional for guidance on credit card charges or disputes.
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