Have you opened your bank statement and spotted a warmtech charge on credit card that makes no sense? Your heart sinks. You start wondering if someone stole your card details or if you accidentally signed up for something shady.
Don’t worry, you’re far from alone. Thousands of people see similar mysterious entries every month and most turn out to be linked to a specific type of online service rather than outright theft.
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What Is a Warmtech Charge on Credit Card?
Warmtech is the billing name for Warmtech Ltd, a company based in Cyprus.
It handles payments for a few online platforms, most notably Lovescape AI (an AI companion chat service) and my.club (a creator subscription site for exclusive content).
When you subscribe to these platforms, the charge often appears as:
- WARMTECH CYPRUS CY
- WARMTECH
- WARMTECH SERVICES
- WARMTECH PAYMENT
The company name shows up instead of the actual website you visited. That’s why so many people don’t recognize it at first.
Quick tip: These platforms often offer free trials or quick sign-ups that automatically turn into paid monthly plans. One small click during a late-night scroll, and the billing hits your statement weeks later.
I once helped a friend who swore he never visited any AI chat site.
After digging through his email, we found a confirmation from a 14-day trial he started on his phone and completely forgot about. It happens more often than you think.
Why Do These Charges Appear?
Most warmtech charges come from recurring subscriptions. Here’s how it usually plays out:
- You try an AI companion app or join a creator’s private club.
- The trial ends, and the service auto-renews.
- The billing descriptor uses the parent company name (Warmtech Ltd) instead of the app name.
Sometimes family members or shared-card users sign up without telling you. In rarer cases, it could be an unauthorized charge after a data breach or skimming.
Common amounts people report: $9.99, $12.99, $18.60, or $29.99 per month, typical pricing for premium AI chat or content subscriptions.
How to Check If the Charge Is Yours
Before you panic and call the bank, do a quick self-audit. It only takes a few minutes.
- Search your email for keywords: “Lovescape”, “my.club”, “Warmtech”, “subscription confirmed”, or “premium membership”.
- Check your phone apps: On iPhone, go to Settings > Apple ID > Subscriptions. On Android, open the Play Store > profile icon > Payments & subscriptions.
- Review recent browser history on the devices that use the card.
- Ask anyone else who has access to the card (partner, teen, roommate).
- Look at the exact date and amount — does it match any trial you started around that time?
If nothing turns up, the charge is likely unauthorized.
Steps to Stop a Warmtech Charge Immediately
Here’s the exact playbook that works for most people:
Option 1: Cancel through the platform (fastest if it’s yours)
- For Lovescape AI: Log in at lovescape.com → click your profile icon → select “Subscription” → choose cancel.
- For my.club: Log into your account → go to Subscriptions → turn off auto-renew.
The subscription usually stays active until the current period ends, but no new charges hit after that.
Option 2: Dispute with your bank (best if unauthorized)
Call the number on the back of your card right away. Use this simple script:
“Hi, I see a charge from Warmtech that I didn’t authorize. Can you start a dispute and block any future payments from this merchant?”
Most major banks will reverse the charge and issue a new card number within days if fraud is confirmed. You’re protected under zero-liability policies.
Option 3: Block the merchant
Ask your bank to add Warmtech (or any variation) to a blocked merchant list. This stops future attempts even if someone has your old card details.
Signs It’s Legitimate vs. Suspicious
| Indicator | Likely Legitimate | Likely Suspicious |
|---|---|---|
| You remember a trial | Yes | No |
| Confirmation email exists | Yes | No |
| Single monthly charge | Common | Multiple small test charges |
| Location tag | Cyprus (company HQ) | Random foreign cities |
| Amount matches known plans | $9.99–$29.99 | Odd amounts like $1.00 or $47.85 |
Use this quick table to decide your next move.
How to Prevent Future Mystery Charges
Once you’ve handled the current warmtech charge on credit card, lock things down:
- Use virtual card numbers for trials (many banks now offer them).
- Turn on transaction alerts so you get a text for every charge.
- Review statements the day they post — don’t wait until the end of the month.
- Keep a separate “fun spending” card for online trials.
- Never save card details on sites you’re just testing.
These small habits save so many headaches.
What If the Charge Keeps Coming Back?
If you cancel through the platform but still see charges, contact the bank immediately for a chargeback. Provide screenshots of your cancellation confirmation.
Banks are very good at stopping repeat billing once they flag the merchant.
In rare stubborn cases, getting a brand-new card number is the cleanest solution. It’s free and takes just a few days.
Related reading: For official rules on disputing credit card charges, check the Federal Trade Commission’s guide at consumer.ftc.gov.
Another solid resource is the Consumer Financial Protection Bureau’s complaint portal if your bank drags its feet.
FAQs: Warmtech Charge on Credit Card
Q. What exactly is the Warmtech Cyprus charge?
A. It’s the billing name used by Warmtech Ltd in Cyprus for subscriptions to Lovescape AI companion chats and my.club creator content platforms. The company name appears instead of the website you actually used.
Q. How do I cancel a Warmtech subscription I don’t want?
A. Log into the original service (lovescape.com or my.club) and cancel through your account settings. If you can’t find the account, contact your bank to dispute the charge and block the merchant.
Q. Is Warmtech a scam?
A. No, it’s a legitimate payment processor for real subscription services. However, many people sign up during a free trial and forget, or someone else uses the card. If you truly don’t recognize any related service, treat it as unauthorized and dispute it right away.
Conclusion
Seeing a warmtech charge on credit card can feel alarming, but in most cases it’s just a poorly labeled subscription from an AI chat or creator platform. A few quick checks and one phone call to your bank usually solve it completely.
Take action today, check your email, log into any suspicious sites and call your card issuer if needed. The sooner you handle it, the less stress you’ll carry into next month’s statement.
Disclaimer: This article is for informational purposes only and is not financial, legal or banking advice. Always contact your card issuer directly for disputes and consult a professional if you suspect identity theft or larger fraud issues.
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