Vioc Credit Card Charge: Your Essential Guide

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VIOC Credit Card Charge: Everything You Need to Know

Are you wondering what that strange charge on your credit card statement that reads “VIOC” is or how it got there? If so, you are not alone. Many customers of Valvoline Instant Oil Change (VIOC) have experienced the same confusion and concern over this mysterious charge. In this blog post, we aim to provide you with all the information you need to know about VIOC credit card charges, including the possible causes, how to identify them, and how to dispute them if necessary.

Valvoline Instant Oil Change (VIOC) is a popular chain of quick-lube service centers that provides oil changes, air filter replacements, tire rotations, and other car maintenance services. The company also offers credit cards that customers can use to pay for their services. If you have recently visited a VIOC service center or used their credit card, the VIOC credit card charge on your statement most likely represents a charge for a service or product that you purchased.

What is VIOC?

Established in 1986 and headquartered in Lexington, Kentucky, Valvoline Instant Oil Change is a leading provider of automotive services in the United States. With over 1,100 service centers across 48 states, VIOC serves millions of customers each year. Apart from oil changes, the company also provides additional services like transmission and radiator fluid replacements, air filter replacements, battery replacements, and wiper blade replacements.

Valvoline also offers a credit card that you can use to pay for their services. The Valvoline Instant Oil Change Credit Card is issued by Synchrony Bank, and it allows customers to finance their car maintenance and repair expenses. Cardholders also get access to special promotions, exclusive discounts, and other perks.

Causes of VIOC Credit Card Charges

Oil Changes

Oil Changes

The most common cause of VIOC credit card charges is oil changes. When you get your car’s oil changed at a VIOC service center, you can pay for the service using your credit card. The charge that appears on your statement will most likely read “VIOC.”

Other Car Maintenance and Repair Services

Car Maintenance and Repair Services

Aside from oil changes, VIOC offers a range of other car maintenance and repair services. These include air filter and cabin air filter replacements, tire rotations, transmission fluid replacements, radiator fluid replacements, battery replacements, and wiper blade replacements. If you have used your Valvoline credit card to pay for any of these services, you may see a VIOC credit card charge on your statement.

Unauthorized Transactions

Unauthorized Transactions

If you notice a VIOC credit card charge on your statement that you do not recognize, this could be an indication of an unauthorized transaction. Fraudsters may use your credit card information to make purchases, including at VIOC service centers. In such cases, you should report the unauthorized charge to your credit card issuer immediately and request a chargeback.

Identifying VIOC Credit Card Charges

Identifying VIOC credit card charges on your statement is simple. The charges will typically appear as “VIOC” followed by the location of the service center where you made the purchase. The charge will also include the date, amount, and any other relevant details about the purchase.

If you are unsure whether a charge on your statement is from VIOC, you can check your receipts or contact the customer service department of VIOC or your credit card issuer. It is always better to be safe than sorry and to address any unauthorized charges on your statement as soon as possible.

Disputing VIOC Credit Card Charges

If you have identified a VIOC credit card charge on your statement that you believe is incorrect, you have the right to dispute it. Before disputing a charge, ensure that you have a valid reason for doing so, such as an unauthorized transaction, a double charge, or an incorrect amount.

To dispute a VIOC credit card charge, you should contact your credit card issuer immediately and provide them with the relevant details of the transaction. The issuer will investigate the dispute and may issue a chargeback if they find that the charge was invalid.

Tips for Dealing with VIOC Credit Card Charges

Keep Good Records

Keep Good Records

Keeping good records of your VIOC purchases, including dates, amounts, and locations, will help you identify any discrepancies or errors in VIOC credit card charges on your statement. This will also make the dispute process easier and quicker.

Review Your Statements Regularly

Review Your Statements Regularly

Review your credit card statements regularly to identify any unauthorized or incorrect charges promptly. The sooner you address any discrepancies or errors, the easier it will be to resolve them.

Protect Your Credit Card Information

Protect Your Credit Card Information

Protect your credit card information from unauthorized access or theft by keeping it secure and not sharing it with anyone. If you suspect that your credit card information has been compromised, contact your credit card issuer immediately to prevent any unauthorized charges.

Report Suspicious Activity

Report Suspicious Activity

If you notice any suspicious activity or unfamiliar charges on your credit card statement, report them to your credit card issuer immediately. They will investigate the activity and take appropriate action to keep your account safe.

Use Secure Payment Methods

Use Secure Payment Methods

Whenever possible, use secure payment methods like EMV chip-enabled credit cards, mobile payments, or virtual cards to minimize the risk of fraud or unauthorized charges. These payment methods are more secure than magnetic stripe cards and offer better protection against identity theft and fraud.

Check Your Credit Report Regularly

Check Your Credit Report Regularly

Check your credit report regularly to monitor your credit activity and identify any unauthorized or fraudulent charges. You can get a free copy of your credit report from each of the three major credit bureaus – Equifax, Experian, and TransUnion – once every twelve months.


VIOC credit card charges can be confusing and concerning, but they are usually legitimate charges for services or products that you purchased from Valvoline Instant Oil Change. If you notice any unauthorized or incorrect charges on your statement, however, it is essential to dispute them promptly to protect your credit and your finances. With the tips and information provided in this blog post, you can stay informed and secure in your credit card transactions with VIOC.


To conclude, a vioc credit card charge is a crucial tool that enables property purchasers to purchase a house without having to pay the entire purchase amount upfront. It gives entry to homeownership and permits individuals and families to attain their goals of owning a home.

One of the key pros of a vioc credit card charge is the capability to spread out the cost of a house over an extended period of time, allowing it economical for property purchasers. Additionally, a mortgage permits homeowners to establish equity in their house over time, which can act as a financial investment and offer chances for subsequent financial expansion.

However, it’s crucial to thoroughly grasp the duties and risks associated with a vioc credit card charge, including but not limited to loan rates, payment conditions, and possible repossession dangers. It’s vital to carefully take into account your monetary situation and plan prior to committing to a vioc credit card charge to ensure that it’s budget-friendly and fitting for your individual needs.

Remember, a vioc credit card charge is a prolonged responsibility, so ensure to inform yourself, thoroughly evaluate your financial situation, and seek expert counsel to make knowledgeable decisions. With wise planning and careful consideration, a mortgage can be a potent instrument in helping you achieve your dream of owning a property.

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