Charge Explainer
§ 01 · DESCRIPTOR

What is SP COOLSHIRTS CO on your bank statement?

Here's what this charge most likely is, grounded in our prefix dictionary and what the descriptor itself contains.

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WHAT THE DESCRIPTOR TELLS US

This descriptor does not begin with a payment-processor prefix in our dictionary, so the charge has to be read from the merchant text itself. It also carries a location — COOLSHIRTS CO — which usually marks where the purchase happened.

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