Hi,
Please note that here in the Microsoft Q&A forum, we are fellow users and do not have account access.
Log in to all of your Microsoft accounts and check if you can see the charges there.
https://account.microsoft.com/services
If not, have you asked a family member if they may have used your card in the past?
You can refer to this article: 'How to investigate a billing charge from Microsoft.'
If you can’t find the source of the charge, it’s possible that your payment method has been compromised. In this case, you should contact your bank immediately to open a dispute ticket, request an investigation to prevent further unauthorized charges.