Hi Hammerrobert
welcome to the Apple (user-to-user) Community.
If any of the linked articles below seem helpful topics to you,
you might want to browse through them to see what info. you can use:
Re: "now getting money taken out of the account monthly that I didn’t want"
Wondering whether this was for interest, or for something purchased by accident.
or
seems there can be services charges,
there is a process for if you want to dispute a service charge:
If you see an Apple Services charge you don't recognize on your Apple Card - Apple Support
More Trouble-shooting:
Wondering if anything shows in Wallet: eg: tap a transaction to see details
See your Apple Card spending history - Apple Support
How to: Dispute a charge to your Apple Card - Apple Support
For interest charges:
How to avoid or lower Apple Card interest charges – Apple Support
Re: "ive tried to cancel the charges and don’t know if I was able to cancel them!"
You might want to check if you have somehow scheduled payments to a merchant:
View your Apple Card balance and scheduled payments online – Apple Support
If you wish, you can reach out to Apple Card Support :
(There is a "Get Support" link (online chat, phone, eMail etc) at the bottom of their website (link below)
Apple Card - Official Apple Support
More info:
Apple Card User Guide:
for card.apple.com
Intro to Apple Card on the Web – Apple Support
All the best :-)