Why You're Seeing "PETSMART*" on Your Bank Statement

Why You're Seeing "PETSMART*" on Your Bank Statement
A charge labeled PETSMART* on your bank statement comes from PetSmart, one of the largest pet supply and services retailers in the United States. This charge appears when you make a purchase at a PetSmart store or through their website at petsmart.com, covering items like pet food, toys, accessories, grooming services, or veterinary care. The asterisk following the descriptor is a standard formatting character used by payment processors to separate the merchant name from additional transaction details. If you or someone with access to your card shops for pet supplies, this charge is almost certainly a legitimate PetSmart transaction.
The PETSMART* descriptor appears on your bank statement because payment processors and card networks use a truncated version of the merchant's name to identify transactions, often adding an asterisk to denote additional details like a store location or order number. PetSmart's payment system transmits this standardized code during authorization, which is what your bank records and displays rather than the full formatted brand name. This is a completely normal practice across retail merchants and does not indicate anything unusual about your transaction.
Is the PETSMART* Charge Legitimate or Fraud?
A PETSMART* charge on your bank or credit card statement is almost always a legitimate transaction from PetSmart, one of the largest pet retail chains in North America. The asterisk in PETSMART* is standard billing shorthand used by PetSmart's payment processor and does not indicate anything suspicious. Common reasons you may see this charge include:
- An in-store purchase at a PetSmart retail location for pet food, supplies, or accessories
- An online order placed at PetSmart.com for pet products or medications
- A recurring PetSmart Treats rewards-linked subscription or auto-ship order
- A grooming, training, or PetsHotel boarding service appointment at PetSmart
How to Verify the PETSMART* Charge
- 1
Check your PetSmart account
Log into your PetSmart.com account and navigate to your order history to see if the charge amount matches any recent purchases or auto-ship orders.
- 2
Search your email for PetSmart receipts
Search your inbox for emails from PetSmart or noreply@petsmart.com â PetSmart sends digital receipts for both in-store and online purchases that will match the PETSMART* charge.
- 3
Check with household members
Ask family members or a partner if they visited a PetSmart store or placed an online order, as the PETSMART* charge may simply be their purchase on a shared account.
- 4
Review your PetSmart subscriptions
Check if you have an active auto-ship subscription through PetSmart.com â these recurring deliveries of pet food or medication appear as a PETSMART* charge on a set schedule.
- 5
Contact your bank for details
If you still can't place the PETSMART* charge, call the number on the back of your card and ask your bank for the exact transaction date, location, and amount to help narrow down the purchase.
How to Dispute a PETSMART* Charge
- 1
Act within 60 days
Most banks require disputes to be filed within 60 days of the PETSMART* charge appearing on your statement, so act quickly once you identify an unauthorized or incorrect charge.
- 2
Contact PetSmart customer service first
Call PetSmart at 1-888-839-9638 or use the live chat at PetSmart.com â many billing errors, duplicate charges, or return discrepancies can be resolved directly and faster than a bank dispute.
- 3
File a chargeback with your bank
If PetSmart cannot resolve the issue, contact your bank or credit card issuer to formally dispute the PETSMART* charge and provide any receipts, emails, or correspondence as evidence.
- 4
Request a new card if fraud is suspected
If you believe the PETSMART* charge is part of unauthorized card use or identity theft, ask your bank to cancel your current card and issue a replacement to prevent further fraudulent charges.
Tips for Managing PetSmart Charges
Set up bank alerts for PETSMART* charges so you're notified instantly whenever PetSmart processes a payment on your card.
Save your PetSmart receipts and order confirmation emails to quickly cross-reference any PETSMART* charge that appears on your statement.
Regularly log into your PetSmart.com account to review saved payment methods and ensure no unauthorized cards are stored.
Note your PetSmart auto-ship delivery schedule so you can anticipate recurring PETSMART* charges and avoid confusing them with fraud.
Use a dedicated credit card for PetSmart purchases to isolate PETSMART* charges and simplify tracking your pet care spending.
Use WhatIsThisCharge.net to identify PETSMART* or any other related charges that appear unfamiliar on your statement.
Frequently Asked Questions About the PETSMART* Charge
âšī¸ Note
In most cases, a PETSMART* charge is simply a routine PetSmart purchase â such as pet food, grooming, or an auto-ship delivery â that you or a household member made recently. A quick check of your PetSmart.com order history or email receipts will usually clear up any confusion within minutes.
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