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  Hot Topic Guest List Credit Card

Hot Topic Guest List Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

Hot Topic Guest List Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 27.29%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Hot Topic Guest List Credit Card Review

Hot Topic Guest List Credit Card is a store credit card issued by Comenity. If you're wondering whether Hot Topic Guest List Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 27.29%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Hot Topic Guest List Credit Card Pros & Cons
The Good The Bad
  • 15% off your first purchase with the Hot Topic Guest List Credit Card*
  • Receive two $20 off $50 shopping passes a year
  • No annual fee.
  • Hot Topic Guest List Credit Card reports to multiple credit bureaus.
  • Hot Topic Guest List credit card can only be used at Hot Topic or hottopic.com.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Hot Topic Guest List Credit Card FAQ

Is there a Hot Topic Guest List Credit Card cash back or rewards program?

No, Hot Topic Guest List Credit Card does not offer a rewards program.

What are the relevant APRs for Hot Topic Guest List Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Hot Topic Guest List Credit Card has higher than average purchase APRs.

Hot Topic Guest List Credit Card has a variable purchase APR of 27.29%.

Does Hot Topic Guest List Credit Card have an introductory APR offer on balance transfers?

No, Hot Topic Guest List Credit Card does not come with an introductory APR offer for balance transfers.

Does Hot Topic Guest List Credit Card have an introductory APR offer on new purchases?

Hot Topic Guest List Credit Card does not offer an introductory rate on new purchases.
Hot Topic Guest List Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Hot Topic Guest List Credit Card?

The following fees apply to Hot Topic Guest List Credit Card:

Hot Topic Guest List Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee $39
Late Payment Fee $39

Does Hot Topic Guest List Credit Card report your account activity to credit bureaus?

Yes, Hot Topic Guest List Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Hot Topic Guest List Credit Card

  • Visit the Hot Topic Guest List Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

About Hot Topic Guest List Credit Card

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
Minimum Interest Charge $2
Returned Payment Fee $39
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards - 15% off your first purchase with the Hot Topic Guest List Credit Card - Two $20 off $50 shopping passes a year - Earn 1 point for every $1 you spend, and a $5 reward for every 100 points you earn. - Exclusive offers - Easy online account management
Purchase APR (Variable APR) 27.29%
Card Type Store Card
Card Network Other

Hot Topic Guest List Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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