I have 2 recurring charges on my credit card from apple and do not know what they are for. I have not signed up for apple pay nor do I want to.

Start by going to this link - Subscriptions and Purchases

Then -

If you see a transaction you do not recognize or have an issue with a transaction open Wallet>tap on the card used>tap on the transaction (photo 1)>tap on the amount (photo 2)>look for a report an issue link. (photo 3)

photo 1 - select the transaction

photo 2 - click the amount

photo 3 - click the link