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CyberGhost offers the best VPN free trial with no credit card. It offers multiple free trial options: one, three, and seven days. Its one-day VPN trial is 100% free without payment details required.

While the one-day free trial is limited to desktop, you can get a seven-day free trial on iOS and Android smartphones and tablets. To do this, download the app from the Google Play Store or App Store.

Most importantly, Surfshark puts privacy first. It enforces a privacy-first logging policy that only collects minimal anonymous usage data, and publishes a warrant canary to warn about government requests.

These login details allow you to sign in to any of the Surfshark apps, including the Windows and macOS clients. Moreover, Surfshark allows unlimited VPN connections with one single subscription.

Free trials and money-back guarantees are not the same thing. The main difference is that VPN free trials do not require a payment method to use the service, whereas money-back guarantees take money from you but guarantee its return within a specified window of time.

Some VPNs are stricter than others, too. If the money-back guarantee is advertised as risk-free, a VPN service may refuse your refund depending on your reason for cancellation or initial payment method.

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If your kid often plays games on their smartphone or tablet, they may use your credit card to rack up in-app game purchases without your knowledge or approval. This can result in an unexpected and often hefty bill, as was the case when several parents filed lawsuits against Apple, Amazon and Google in 2014 after their children charged hundreds and thousands of dollars to their cards.

"However, some credit card companies define 'unauthorized charges' as charges made after your card has been lost or stolen, meaning that if your kids make purchases on your card without your knowledge, you are still liable for the charges."

Below, we explain a few instances of kids charging excessive amounts of in-app game purchases to their parent's credit card without consent. Plus, we reveal how to get a refund for those charges and what you can do to protect your credit card from your kids.

If you receive a surprise bill for your child's unauthorized credit card purchases, you're not alone. It would be far from the first instance of kids making expensive purchases on their smartphones or tablets without their parents' authorization.

In these complaints, parents cited that the companies didn't provide any warning that purchases could be made without requiring a password every time. When parents approved a one-time purchase and entered their passwords, most were unaware that their child could continue to make purchases for 15 to 30 minutes without additional authorization.

In the case against Apple, the company received tens of thousands of complaints from parents about their kid's unauthorized in-app purchases. Most notably, one kid spent $2,600 on in-app purchases for the game "Tap Pet Hotel."

As part of the settlement, Apple was required to modify its billing practices by making sure to receive consumers' explicit consent for current and future in-app charges and that the consent could be withdrawn at any time.

The FTC complaint also said Amazon encouraged children to make purchases by blurring the lines between what purchases charged virtual currency versus real money. And many parents stated their children couldn't read, yet were able to incur charges by clicking random buttons.

At the end of 2014, a case against Google rounded out a trend of FTC complaints about unauthorized in-app game purchases. Similar to the prior two cases, parents weren't aware of their children racking up Google Play charges ranging from 99 cents to $200 each.

"You might find the company's refund policy covers your situation or allows for refunds or cancellations within a certain time frame," Jason Adler, assistant director of the Federal Trade Commission's midwest regional office, tells CNBC Select. "You'd want to explain the circumstances to the seller and ask for a refund,"

If your kid purchased physical items and not virtual coins or other app-related charges, you will likely need to return the items first before you see a refund. If the item is nonrefundable or open, you'll likely need to contact the retailer and explain the situation.

"Credit card payments are protected by the Fair Credit Billing Act (FCBA), which allows you to dispute billing errors, which can include unauthorized charges, and temporarily withhold payment while the creditor investigates," Adler says.

Under the FCBA, you're only liable for up to $50 in unauthorized charges, but you'll need to write to the credit card company to take advantage of this protection. The FTC provides a sample dispute letter you can mail.

If contacting the merchant or your card issuer doesn't work, you can file a complaint with the FTC online or by calling 1-877-FTC-HELP. "This allows the FTC to investigate and take action if necessary," Adler says.

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