Hot Topic credit card: Is It worth It?
Hot Topic Credit Card, the Guest List card comes with perks that’ll encourage shopping at Hot topic. For starters of Hot Topic you’ll get 15% off your first purchase. You don’t shop often at Hot Topic Credit card. The Guest List Card is a store credit card that you can use only at Hot Topic credit card. If you’re not a Hot Topic regular, consider picking a credit card you can use elsewhere. If you’re a regular shopper at Hot Topic Credit Card, you’ll like the Guest List Credit Card. It’s a store credit card with fun perks to keep you spending.
There’s more to keep the Hot Topic loyalist happy, including shipping discounts and birthday offers. And the truly faithful can ultimately attain Guest List VIP status, which comes with benefits like 1.25 points per dollar spent and cheaper shipping.
To apply for the Hot Topic Guest List Credit Card, you must:
- Be 18 years of age or older.
- Have a government-issued ID.
- Have a Social Security number.
Instant rewards: Every 100 points you earn, you’ll collect a $5 credit toward Hot Topic purchases.
Shipping discounts: Each year, you’ll receive two passes for $20 off an order of $50 or more.
Hot Topic perks: You’ll receive offers on your birthday and your card anniversary. Also enjoy early access to events and sales.
Guest List VIP perks: After you’ve earned 500 points, you’ll attain Guest List VIP status. Earn 1.25 points per dollar spent, get $2 standard shipping for all orders and access a dedicated customer service phone line when you need help.
High interest rate: The Hot Topic card comes with a high 25.74% APR, so consider paying off your card balance each month.
Fees for late and returned payments: For each late or returned payment, you’ll pay a fee of up to $38.
What credit score do I need?
You’ll likely qualify for the Hot Topic credit card with a fair credit score of at least 620.
How to apply for the card
step 1: On the Hot Topic website, click the Apply tab.
step 2: Complete the application form with your Social Security number, annual income and contact information.
How long will it take to be approved?
Because provisional credit card approval is automated on the website, you’ll get a decision on your application straight away.
I got the card — now what?
Make your payments. Pay your bills online by registering an online account at the Comenity Bank website.
Avoid interest. After the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
Avoid fees. Late and returned payments come with hefty fees of up to $38.