You’re sitting at your kitchen table with a fresh cup of coffee, ready to review your monthly credit card statement. You scan down the list, feeling pretty good about your spending, until your eyes land on a mysterious $9.99 charge from something called “AGM*BINGO.” Did you accidentally purchase an aggressive badger? Did you sponsor a local bingo tournament in your sleep? If this scenario raises your blood pressure, don’t worry, you are far from alone.…