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I’m about to run out of credit cyproheptadine hydrochloride and tricholine citrate syrup side effects When was the last time you scanned your credit card statement or cellphone bill for extra charges? If you’re like most consumers, you may not take the time on a regular basis. However, small, unwanted charges can add up if you’re not careful. BillGuard, a Web and smartphone app that scans statements for you, reports that these “grey charges” cost credit and debit cardholders more than $14 billion last year.