Hot Topic Credit Card Review

The Basics of Hot Topic Credit Card

Several stores place their very own spin on the store credit card. For Hot Topic, there’s the Visitor Listing Credit Card.

As you could expect, the Visitor Listing card includes benefits that’ll encourage shopping at Hot Topic. For beginners, you’ll get 15% off your initial acquisition. On every purchase afterwards, you’ll make one point for every single buck you spend. You can rack up a $5 credit towards Hot Topic acquisitions for each 100 factors you gain.

 Hot Topic Credit Card Guest List
Hot Topic Credit Card Guest List

There’s more to maintain the Hot Topic Credit Card loyalist delighted, including delivery discounts as well as birthday celebration deals. And the really faithful can eventually attain Visitor List VIP status, which includes advantages like 1.25 points per dollar spent and cheaper shipping.

The advantages of Hot Topic Credit Card

  • SIGNUP REWARD: Get a 15% discount rate on your initial purchase.
  • POINTS: Earn 1 factor for every single dollar you invest.

You’ll additionally such as …

  • Immediate incentives. For every single 100 points you earn, you’ll collect a $5 credit towards Hot Topic purchases.
  • Shipping price cuts. Each year, you’ll get two discount coupons for $20 off an acquisition of $50 or even more.
  • Hot Topic Credit Card rewards. You’ll get deals on your birthday and also your card wedding anniversary. Likewise enjoy very early access to events and also sales.
  • Visitor Checklist VIP rewards. After you’ve gained 500 factors, you’ll achieve Visitor Listing VIP status. Earn 1.25 points per each buck spent, obtain $2 basic delivery for all orders as well as accessibility a devoted client service phone line when you require assistance.

What to keep an eye out for Hot Topic Credit Card

High interest rate. The Hot Topic Credit Card features a high 26.99% variable APR, so take into consideration settling your card balance every month.
Charges for late and returned settlements. For every late or returned repayment, you’ll pay a charge of up to Up to $39.

 Hot Topic Credit Card charges
Hot Topic Credit Card charges

What to understand about Hot Topic Credit Card prior to you apply

To make an application for the Hot Topic Credit Card, you should:

  • Be 18 years of age or older.
  • Have a government-issued ID.
  • Have a Social Security number.

What credit score do I require?

You’ll likely receive the Hot Topic card with a fair credit rating of a minimum of 580.

Exactly how to get the Hot Topic Credit Card

  • On the Hot Topic internet site, click the Apply tab.
  • Full the application with your Social Security number, yearly earnings and get in touch with information.

For how long will it take to be authorized?
Due to the fact that conditional credit card authorization is automated on the web site, you’ll get a decision on your application immediately.

I got the Hot Topic Credit Card – currently what?

  • Make your settlements. Pay your bills online by registering an on the internet account at the Comenity Bank internet site.
  • Prevent rate of 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 passion on your acquisitions.
  • Stay clear of fees. Late and also returned repayments come with hefty charges of approximately $39.
  • Customer service. If you have questions, go to the help section on the Comenity Bank site or call 1-844-271-2526.

Profits
If you’re a faithful Hot Topic consumer, you’ll locate little yet handy benefits with the Hot Topic Credit Card. If you only shop with Hot Topic sometimes, you might want to see what your other installment plan card options are.

More information about credit cards is available on the website cardwizer.com:

Cardwizer - best credit card review
CardWizer – Best credit card reviews