Hot Topic Credit Card: The Hot Topic Guest Credit Card accounts are generally issued by Comenity Bank for use it at only at the stores of the Hot Topic and their online website.
Hot Topic Credit Card
This Hot Topicthis card cannot be used anywhere but it is used on the Hot Topic official website or in hot topics stores.
A person will not find a Visa, MasterCard, Discover, or American Express, logo on this hot topic credit card.
There are also many rewards which are given by the hot topic to their all Customers who use the Hot Topic Card to make purchases and those consumer will get a 1 reward for each dollar as they spend.
As hot topic reach 100 points then they automatically issues a reward of the $5 which expires 45 days from the date a person reached 100 points.
The credit card from Hot Topic also provided and offer about 15% off of their initial purchase and two $20 rewards per year when a person spend $50.
Comenity Bank as well as Comenity Capital Bank are basically owned by Data Alliance and together manage multiple consumer’s loyalty programs.
Usually, on the retail locations they works and provide with store credit cards, different rewards programs and marketing information to retain their consumers.
The comenity bank has a horrible reputation for cancelling consumers store credit cards of people who pay off their credit cards generally and do not pay interest.
This does not matter how much a person charge on their card, or how long a person have had it, in case they are not making money in the form of interest or late payments, and a person pay off their card.
There are many feedbacks as well as review on theComenity Bank and many peoples are complaining about how bad comenity bank’s credit score was affected after having their revolving credit account closed for no reason.
Signing up for a store credit card which is issued by Comenity Bank or Comenity Capital Bank can cost a person a lot of money.
How to apply for Hot Topic Credit Card:
In case a person is searching for the process that how to apply for hot topic credit card. thisprocess may take anywhere from 5 – 15 minutes, but one may surely state that this tends to be as simple and quick as possible.
A person will get the result straight after submitting the application to the hot topic.
The detail procedure of ‘how to apply for hot topic credit card” is given as below:
- At the initial stage, a person should open the Comenity official website or one can also click on the link which is given as below:
- soafter doing it, a person will get to see the official website of the Hot Topic card. At the top of that website, a person need to click on button which has text on it as “Apply.”
- Once a person have completed previous step and have done that, he will get to see the application form there on the new window.
- So why waiting? Just Start filling it out, provide all the details which are asked a consumer to fill up the information.
- Details include first and last name of the applicant, social security number (SSN), date of birth of the applicant, and per year income of that applicant.
- On the further step, there aapplicant need to give all the information which is related to the bank.
- So provide the information that Hot Topic (i.e. Comenity Bank) needs an applicant to provide, including applicant’s credit score.
- (also make sure that what ever you have entered and typed this must be a correct information)
- Once an applicant are done with that step, after that he have to click on the button of “Submit”.
- (make sure before clicking on the button of the submit, you have already read all the terms and conditions before.)
- Next to that, a person will get to see a page which basically shows a applicant that he have been accepted or declined to get a credit card from Hot Topic stores.
- In case a an applicant have been accepted, the credit card will be delivered right into the mail within some of the next weeks.
Where can a person use his Hot Topic credit card?
As it is pointed out above, this hot topic credit card is not connected to one of the major networks (just like as Visa or Master Card) which means that the hot topic credit card can be used only at their Hot Topic stores.
Expiration date on Hot Topic credit card:
This Hot Topic credit card comes without an expiration date. Considering that a person or the user cannot use it elsewhere than Hot Topic stores, a person do not require an expiration date for using hot topic credit card online.
In case a person wish to use this credit card online on the Hot Topic website, he should simply access his credit card account and add an authorized user.
Pros of the hot topic credit card:
- There are an extraordinarily high rewards rate of up to 6.25%.
- Easy to attain Guest List VIP status.
- At hot topic a large no. of discounts as well as offers are given to ho topic credit card users.
- Early access to sales and events.
- No annual fee charges are required for hot topic.
Cons of the hot topic credit card:
- High late fee and return payment fees.
- Staggering APR (which is, yet, general across store-branded credit cards).
- This hot topic credit card cannot be used elsewhere other than Hot Topic stores.
Read More: Dicks Credit Card
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So, in this way a person can easily apply to the hot topic credit card also they can activate it by simply online method or calling to their official consumer service desk.