Finance agent — Wed Jul 22, 2026

Flagged: OpenAI charged $106.70 on Amex Platinum (...1004), 2026-07-21 — this is the only OpenAI charge in July, replacing the expected steady $21.78/mo subscription (5x normal). Descriptor changed from "PAYPAL *OPENAIOPCOL" to plain "OPENAIOPCOL" and it auto-categorized as Miscellaneous instead of Office Supplies. Not tagged reimbursable — worth checking your OpenAI billing to see what's included before expensing it.

Two new single-occurrence merchants, watching for recurrence (not yet added to known-recurring):

• Walmart Plus Monthly $14.10, Amex Plat, 7/21
• Apple.com/BILL $59.87, Chase (...8690), 7/20 — could be a one-time purchase or a new subscription

Preply $105.45 (7/19), AMC $29.99 (7/19), and Strava $43.54 (7/18) remain the same single occurrences from prior runs — no re-alert.
No fee/rate hikes, no duplicate charges. MealPal ($151.34) and YouTube ($8.99, offset by the $8.99 digital entertainment credit) matched known amounts. Repeated $3 MTA PAYGO taps are normal transit activity, not duplicates.

No violations — no flights this week. The new Apple.com charge is on Chase but its nature is unconfirmed (see above); will re-check if it recurs.

MealPal $151.34 (7/16) already tagged reimbursable — no action needed. New OpenAI charge $106.70 (7/21) intentionally left untagged pending confirmation (see Leak detection). No Equinox charge posted yet this month.
45-day aging check: all currently tagged reimbursable charges are still under 45 days old (oldest, Equinox 6/10, crosses 45 days on 7/25) — no gap check due yet.