A charge I don't recognise

Check the descriptor. SpicyChat charges appear as NDAI.CC (NextDay AI).

If you see a charge you can’t account for, send us the date, amount, first 6 and the last 4 digits of the card and we’ll check it against our records. If it turns out not to be a SpicyChat charge, we’ll tell you — and if it is, we’ll explain what it was for.