How to apply for Hot Topic credit card application?

Hot Topic brings you the hottest, trendiest stuff at your doorstep through their online and offline shopping outlets. Most shopping outlets have a credit card for their customers but Hot Topic credit card has gone a step ahead.

They have a Hot Topic Guestlist credit card that works as a store credit card but showers you with plenty of offers on the go. If you plan to acquire the card from Hot Topic, you must know that the card can give you 15% off on your very first purchase.

Birthday offers, freedom from shipping charges, and points on every purchase are what the credit card promises to bring your way.

But, you will have to apply for a credit card and how can you best do it? Read the rest of the article to find out.

Annual Fees$0
Credit Limit$300 & above
Purchase APRVariable 24.99%
Balance Transfer APRNA
Minimum Required Credit Score650-850
Security DepositNone

How to apply for Hot Topic credit card Application?

To apply for the Hot Topic credit card, you can go online or visit their shopping outlets.

In this segment, we will talk about how to apply for a credit card online.

Step 1: Visit the Hot Topic website to directly move on to the Hot Topic Guest List credit card application.

Hot Topic credit card

Step 2: You must fill in the personal information in the first segment of the application form. It should include your name, social security number, birth date, and annual income.

Hot Topic apply

Step 3: Add your contact information including your present address, mobile number, and email address.

application online

Step 4: Add a referral code and buyer if required, and then press the Continue tab.

Hot Topic requirements

Step 4: On the next page you can either start by choosing the prefill option where you will have to enter your mobile number, SSN, or ZIP code.

apply here

Step 5: You can also choose to go without prefilling option if you do not have the details with you.

apply here online

Step 6: Add an authorized buyer in the next segment if you have one.

credit card online form

Step 7: On the next page, agree to their terms and conditions.

Eligibility for Hot Topic credit card

Step 8: Once you press the Submit tab, your form will go for review and you will be notified later about it.

Hot Topic Credit Card application Requirements

Requirements for applying for the credit card include the ones provided below.

  1. You must be a major (18 or above) within your state.
  2. As an applicant, you must add a valid SSN (social security number).
  3. A valid government ID card needs to be in your possession.
  4. You should not submit a PO Box address; instead, you must have a complete street address with details.

Who is eligible?

You will be eligible for the credit card when you suffice these below points.

  1. You are debt free or have controlled debt-levels with other banks or financial organizations.
  2. A defaulter with the Federal government in terms of loans and credits cannot apply.
  3. Your credit score must be within 650-850.
  4. Your annual income will determine your creditworthiness.

PROS & Cons


  1. If you want to build your credit score, this credit card might offer you a good chance to build it.
  2. The annual fee is nil so you need not worry at the end of every year.
  3. They have an awesome rewards program that works well for many.
  4. You can receive one $20 and another $50 pass in a year.


  1. Variable APR is relatively high for people and stands at 26.49%.
  2. Reward value is low for customers in terms of their point values.
  3. It does not provide a signup bonus.

Can you use Hot Topic credit card anywhere?

No, the Hot Topic credit card is not a credit card that can be used everywhere. It is classified as a store credit card and purely falls under this classification. Shopping from Hot Topic is made easier with the help of the Hot Topic credit card.

What bank is Hot Topic Credit card?

Comenity supplies the Hot Topic credit card.


If you want to own the Hot Topic credit card, closely follow the application process mentioned here. Additionally, know a few more miscellaneous points from the article that serves you in times of need.

Hot Topic Guest List credit card


  • My name is Raj Singh. I am a Digital Marketer, Seo Consultant, and Entrepreneur. I have an experience of 7 years in the digital world and launched many digital products.

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