Have you received a Topware Store charge on your credit card or debit card? You’re not alone! Lots of people have reported being charged by Topware Store for transactions they’re unsure of. This article shed a light on reasons why you’ve got a Topware Store charge on your bank statement, and what to do if you the transaction wasn’t made by you.
What is Topware Store?
Topware Store which is a local business that sells different kinds of garden products like; flowerpot, planters, seeds & boxes, recycling storage, log stores, etc. The store is physically located in 1860 SW Fountainview Blvd ste 358Port St Lucie, FL 34986 United States. But runs an online store at Topwarestore.com.
You can contact Topware Store via telephone – (888) 662-4731, or through their contact form on their website here
Reasons Why You’ve Got a Topware Store Charge on Your Credit Card:
You Purchased an Item From Topware Store
One of the reasons why you’ve got a Topware Store charge is that you might have purchased an item from ‘Topware Store’. It could be an online or offline purchase. You might have stumbled on a discount Ad of gardening products like cute flower pots and placed an order from the store. Result; there’s a charge on your card.
You’re a Victim of a Credit Card Fraud
If you’re certain you never bought anything from the business called ‘Topware Store’ whether online or offline, then your credit card has been compromised. What does this actually mean? Someone must have gotten hold of your credit card details and used it to purchase items off Topwarestore.com. Credit card fraud is a form of identity theft that occurs when someone uses another person’s credit card or credit card information to buy something or access an account without permission. The scammer doesn’t need to actually have the physical card to commit this type of fraud.
Your Credit Card details was Leaked In a Data Breach
Cybercriminals might have illicitly obtained your credit card information, including the card number, names on it, expiration date, and sometimes the CVV code. These data breaches can occur through various means, such as hacking into databases, intercepting transactions, or exploiting vulnerabilities in online platforms.
What To Do If You Didn’t Purchase an Item From Topware Store
Contact Your Credit Card Issuer
Immediately call your financial provider and explain that you’re a victim of fraudulent transactions. You could do this by either reporting the fraud in their app or on their website. Request that any fraudulent accounts that you didn’t authorize be closed and the charges erased so that you’re not responsible for the bill.
Request For a New Card
If fraud is confirmed, the issuer will likely cancel that card and issue you a new one with different numbers.
Update Your Passwords and Enable Two Factor Authentication
The third step you should take is updating your passwords. Make sure you check all of your other credit card accounts to see if they’ve also been compromised. It’s important to note that, even though only one card may have suspicious charges, you can’t be sure how the fraudster got the information. So make sure you change all of your passwords and PINs just to be safe.
Report the Fraud To Relevant Authorities
Report the scam to relevant authorities and organizations. This includes:
- Internet Crime Complaint Center (IC3): If you are in the United States, you can file a complaint with the IC3 at https://www.ic3.gov/.
- Your Local Consumer Protection Agency: Contact your local consumer protection agency or the equivalent regulatory body in your country.
- Better Business Bureau (BBB): File a complaint with the BBB if the online store is based in the United States.
How To Prevent Credit Card Theft and Stay Alert
Don’t shop on Unsecure websites.
Make sure you verify that a website is authentic before making a purchase. You can do this by looking at the URL tab. Does it have a ‘padlock sign’. If it does, it means it has SSL encryption protecting user’s personal and financial data. If it doesn’t, then you should stay away as your credit card details could be stolen or leaked
Don’t Give Out Your Credit Card Information
Beware of phishing scams that aim to ask for your personal and credit card information. Never send your credit card information via email or give it over the phone unsolicited.
Don’t use public Wi-Fi for financial transactions.
You can get hacked using public Wi-Fi. Cybercriminals use a combination of technical know-how and free tools to sneak into unsecured networks and steal sensitive information. This could include your passwords, banking information, or personal data. So stay off Public Wi-Fi when making financial transactions.
Don’t Store Card Numbers With Online Retailers
Even when you’ve taken steps to confirm you’re using a reputable online store, resist the urge to save your card information in your online shopping account.
The concern isn’t that the retailer will misuse your data, but that doing so could allow a criminal who obtains your shopping account password to make purchases without even having to know your card number.
Shred unwanted documents that show your credit card number.
Whether you shop online or in-person, protecting sensitive information such as your credit card number is essential to your financial health. If you want to dispose an unwanted document that contains your credit card details, always shred it before discarding, or burn it up in the fireplace.
Conclusion
You’ve a Topware Store charge on your credit or debit card either because you purchased an item from Topware Store OR you’re a victim of a credit card theft. If the latter is the case, you should promptly contact your bank and request for a new card.
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