Q: How do I repute the charges on my credit card. My daughter downloaded a free app then there a charge of $ 14.97 on my credit card.

You're not talking to Apple here, just other Mac users like yourself.

You can try, but probably not.

I would consider parental controls or family sharing.

Family Sharing - Apple Support

We are users like yourself, you are not addressing Apple directly via this forum.

See this article, Grace

iTunes Store charges on credit and debit card statements - Apple Support

Contact iTunes Support.

She probably downloaded an in-app purchase. Lots of "free" apps have upgrades and downloadable content that cost real money.

https://getsupport.apple.com/

Select Apple ID and then proceed from there.