I was just surprised by a $70 charge posted to my bank account, from a transaction I made over six months ago.
I have no complaint about the charge itself (I owe them that money), but in the future, I'd like to avoid the mistake of forgetting about charges (assuming that every purchase I made has been posted) and then being hit with unexpected drops in my bank account balance months later. In the worst case, these drops could cause unexpected overdraft fees and other issues. So my question:
How long do I have to keep track of a purchase (keep the receipt, for example) before it's fine to forget about it? Is there a point after which they are legally unable to charge me?
A closely related question here, but for the UK instead of the US.