You open your credit card statement and see a recurring charge labeled “Secret Deals Today Oceanside CA” or a similar variation.
You do not remember signing up for anything by that name, or you signed up weeks ago for what felt like a cheap trial and then forgot about it.
A Secret Deals Today charge on credit card usually comes from a membership in the USA Discount Club. The company behind it is Inner Growth Products, LLC, based in Oceanside, California.
We explain exactly what the charge represents, how these memberships often start, and the simple steps you can take to cancel the recurring payments and protect your account.
Table of Contents
What Is the Secret Deals Today Charge?
Secret Deals Today is the merchant name that appears on statements for the USA Discount Club. This service promises members access to exclusive discounts on dining, shopping, entertainment, travel, and local deals through an app or website.
The charge typically shows up as:
- SECRET-DEALS-TODAY OCEANSIDE CA
- SECRET-DEALS-TODAY followed by a phone number like 361-465-7627
- Or slight variations with “CHKCARD” or “POS PURCHASE” prefixes
These descriptors come from the payment processor the company uses. The actual service is a paid membership club.
Most people first see a small starter charge (around $2.99 for one week) that later converts into a larger monthly fee, often $19.97 or similar, unless they cancel in time.
How Did the Secret Deals Today Charge Get on My Statement?
People usually end up with this charge in one of these ways:
- They clicked an ad for “secret” or “exclusive” local deals and signed up for the low-cost starter week.
- They used a shared family card or someone else in the household joined without realizing it would renew automatically.
- They thought the offer was a one-time discount or free trial and missed the fine print about recurring billing.
The company operates legally as a membership service. However, many customers report that the automatic conversion from the cheap starter week to the full monthly price catches them by surprise. Once the recurring charge begins, it continues until you actively cancel.
How to Cancel Your Secret Deals Today Subscription
You have two main paths. Start with the direct route if you still have access to your account.
- Log into the secret-deals-today.com website or the associated app using the email you signed up with.
- Look for account settings, membership, or billing section.
- Follow the prompts to cancel. Some members report needing to call support at (361) 465-7627 or email support@secret-deals-today.com.
- Ask for written confirmation of cancellation and keep it.
If the website or app does not let you cancel easily, or you never created an account, move to the next step immediately.
Pro Tip: Set a calendar reminder for any “starter week” or low-price intro offer the same day you sign up. Mark the exact date the trial ends so you can cancel before the higher recurring charge begins.
What to Do If You Want to Stop the Charges Completely
Even after you cancel with the company, some people still see one more charge while the cancellation processes. Here is how to protect yourself:
- Contact your credit card issuer right away. Tell them you have canceled the recurring membership and request they block future charges from Secret Deals Today or Inner Growth Products.
- Ask the issuer to note the account so any future attempts are declined.
- If you believe the charge was unauthorized or the cancellation process was unreasonably difficult, you can dispute the recent charges. Credit cards give you strong rights under the Fair Credit Billing Act.
Most issuers handle these requests quickly when you explain it is a canceled recurring subscription.
Common Mistake: Assuming that canceling on the website is enough and then ignoring the next statement. Always verify with your credit card issuer that recurring payments have been stopped. A quick phone call or secure message in the banking app gives you extra peace of mind.
Cancel vs Dispute for Secret Deals Today Charges
| Situation | Best First Step | What Happens Next | Timeline You Can Expect |
|---|---|---|---|
| You recognize the membership and want to keep it | Log in and update payment method or pause if available | Continue enjoying deals at the current price | Immediate after login |
| You want to cancel recurring charges | Cancel directly on the site or by phone | Request written confirmation; then call your card issuer to block future payments | Same day for cancellation, 1–3 days for issuer block |
| You do not recognize the charge at all | Call your credit card issuer immediately | Issuer investigates and can issue provisional credit while reviewing | 30–90 days for full resolution |
| Cancellation attempts have failed | Dispute recent charges with your issuer | Strong consumer protections apply; issuer contacts the merchant | Often resolved in your favor within one billing cycle |
How to Prevent Future Surprise Recurring Charges
A few habits make these situations less likely:
- Read the full terms before entering your card details, especially anything about automatic renewal.
- Use virtual card numbers or privacy-focused payment tools for any trial or low-cost offer.
- Turn on instant transaction alerts in your credit card app so every charge notifies you immediately.
- Review your statements at least once a week instead of waiting until the end of the month.
These small steps give you visibility and control before charges build up.
FAQs: Secret Deals Today Charge on Credit Card
Q. How do I cancel the Secret Deals Today recurring charge on my credit card?
A. Log into secret-deals-today.com or the app and cancel your USA Discount Club membership in the account settings. Then call your credit card issuer and ask them to block any future recurring payments from that merchant. Keep written confirmation of the cancellation.
Q. What company is behind the Secret Deals Today charge on my statement?
A. The charge comes from Inner Growth Products, LLC in Oceanside, California, operating the USA Discount Club. They offer paid access to member-only deals on dining, shopping, and entertainment. The starter week often converts to a monthly fee unless canceled.
Q. Can I get a refund for Secret Deals Today charges I did not authorize?
A. Yes. Contact your credit card issuer right away to dispute the charges. Explain that you either never authorized the membership or were unable to cancel it successfully. Issuers must investigate and often provide provisional credit while they review under federal credit card rules.
Conclusion
The key takeaway is that a Secret Deals Today charge on credit card almost always traces back to a membership you or someone on your account started, even if the name on the statement feels unfamiliar.
You can cancel it directly through the company and then confirm with your credit card issuer that recurring payments are blocked.
Make it a habit to check new charges within a day or two and set reminders for any trial offers. These simple actions keep unexpected subscriptions from draining your account and give you back control over your spending.
If this helped clarify things for you, consider reviewing your other recent statements for any similar recurring names you do not immediately recognize.
Disclaimer: The content on ExplainCharges.com is for informational and educational purposes only and does not constitute financial, legal, or professional advice. We are not affiliated with any companies or services mentioned. The information provided may not apply to your specific situation. If you suspect unauthorized charges or fraud, contact your bank or credit card issuer immediately. Always verify details directly with the source and consult a qualified professional if needed.
About The Author
