money was withdrawn from the card

Unknown Charge

• Queer Charge? --> If you see an 'itunes.com/bill' or an unfamiliar charge on your statement
• If you have an issue with an app on App Store or billing --> Request a refund for an App Store or iTunes Store
• You can also request a refund for a recent renewal of an in-app subscription.purchase 

Phishing

• Beware of --> Phishing & Other Suspicious Emails 
• Know how to --> Identify legitimate emails from the App Store or iTunes Store 
• Avoid phishing emails, fake 'virus' alerts, phony support calls, and other scams —> Use these tips to avoid scams and learn what to do if you think your Apple ID has been compromised.

downloaded a free App and after 3 days (this morning) was charged for the premium suite (full cost of highest plan), which wasn’t deducted from my card.

app was/is not up to standard and I did not authorize the deduction!

Excellent. Thank you. I have requested a refund through the iTunes Store. I could click on the problem and submit.