I just recently got a charge for $149.95 in my checking account as well, I called my bank and they gave me this run around and filed a dispute, only thing is they gave me this not so straight forward answer about returning my money...
I then finally got through to the USA Credit people and after some pi*ed off words and threatening tones, this lady named Dayna said they would refund my money 2-3 business days after this Friday, Jan 26th. I also received a cancellation number... I'll wait to hear from them and keep you updated.
0 comments