I suspect that it was not well-cared for at the chain store - probably over watered and exposed to other
plants with fungus gnats.
A week between watering is about right, even for a small
plant. As long as you allow the top inch or so to dry out between waterings, it should be OK. In fact, allowing the soil to become dry will help deter both the gnats and the mold.
Scrape off all the loose soil and mold from the surface. More mold may come back, but just keep scraping it out and it should gradually diminish. A thin layer of builders or river sand sprinkled on the surface of the soil will carve up the fungus gnat larvae when they try to emerge from the soil. That, in combination with keeping the top inch of soil dry, should lead to a gradual decline in the gnat population.
Alternatively, you can put half-inch slices of raw
potato on the soil surface. This will attract the larvae. Replace the slices every day or two until you no longer see the larvae on the slices.
These solutions will not stress out your
plant and are usually effective.
Let me know if this is unclear.