I have a charge of $.99 every month on my bank statement. What is it for?

.99¢ Sounds like apples iCloud storage subscription. Depending on what device you are using there a different ways to manage this subscription.

The following has instructions on how to see your purchase history: See your purchase history in the iTunes Store on a Mac or PC - Apple Support

If it is a subscription, the following gives details of how to cancel it: View, change, or cancel your subscriptions - Apple Support

If it is for iCloud storage, the following has instructions if you want to downgrade: iCloud storage upgrades and downgrades - Apple Support

I'm being charged every month $10.95 for unlimited ITUNES downloads. I never used this offer. Originally, it was

a free trial for 3 months, that I also never used. Make it stop! How? Also can I get a credit , as I've been automatically

paying for nothing each month for aprrox. the last year.