I don't know how they did it but they charged my credit card for 7 months. I have never had any interest in the product and never purchase discount booklets or programs. I didn't notice the charge because Privacy Guard charges the same amount each month and the information starts with TG for both charges for the same amount of money 12.99. They claim I answered a security question which gave them permission to charge my credit card. I have never experienced answering a security question as a way for one company to obtain credit card information from another company.