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.

• 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.

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.

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%.

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