Hot Topic Credit Card: Before applying for the hot topic credit card, you must consider the following things: It’s no secret that many credit cards come with fees.
Hot Topic Credit Card
One of the biggest costs you have be familiar is interest charges. Interest charges occur when you carry a monthly balance and the charge can vary based on your credit card’s APR.
To understand the fees and conditions you’ll have to review during a credit card application, it’s important to understand the terminology:
This is a yearly fee that a credit card issuer may charge in order to continue using your card. There is no restriction that every credit has the annual fee.
Sometimes, the card issuer will waive for the first year fee which means you won’t have to pay it for at least 12 months. Still, if you plan to keep the card for longer than a year, this is a cost you’ll need to factor in.
APR stands for annual percentage rate which is the interest you’re charged over a 12-month period. For example, a card with 25% interest rate costs 2% on the balances you carry from month to month.
Notice that the credit card may charge a different APR for new purchases vs. what they charge for cash advances. Typically, you might get charged a higher APR for cash advances.
Foreign transaction fees:
If you’re planning on using the credit card outside of the country, a foreign transaction fee may apply. Some credit cards don’t have a foreign transaction fee so this would be something to look for if you plan on traveling with your card.
Credit cards can charge late fees ranging anywhere from $28 to $39 depending on how many times you’ve missed your payment due date. To avoid late fees, you can always set up automatic bill pay through your credit card company.
Knowing the incentives involved with using a certain credit card beforehand can only help you maximize the benefits you’ll get.
For example, some cards offer cash back bonuses during certain times of the year and in certain categories while others will offer you a generous sign-up bonus after spending a minimum amount during first fresh months.
You probably don’t want to find out that you missed earning 5% cash back on groceries you would have purchased anyway.
Or even worse, knowing that you missed out on 50,000 bonus points because you didn’t plan to meet the minimum spending threshold within the three months of using your card. Carefully read through the card details before applying.
Then, make sure you understand all the incentives and bonus offers so you won’t miss out on any of these perks.
Features of the hot topic credit card:
Card type: Unsecured
Interest rate: 26.49% Variable
Annual fee: $0
Rewards: Earn 1 point for every $1 spent, automatic reward of $5 for every 100 points
Security deposit: None
Foreign transaction fee: N/A
Credit reporting: Reports payment history to all three credit bureaus.
Cash advance fee: N/A
Cash advance APR: N/A
Late or returned payment fee: Up to $39.00
Payment of hot topic credit card:
Now, you have just accessed the website. On the left side of the page, you will get to see the online banking form that is the place where you can log in to your Hot Topic account.
Enter your online banking username in the first field of that form.
Then, enter your password in the second field of that form.
You can also check the box near remember me in order to save your username for future sessions.
After all, you can finalize the procedure by clicking on the sign in button.
Now, you have just logged in to your credit card account. At this point, you can do any actions you wanted with your credit card.
Pay my hot topic credit card:
When it comes to how to pay your credit card from Hot Topic, their several ways how you can do it. First of all, you can pay your card in the branches and offices of Comenity Bank. But we recommend you to pay your Hot Topic credit card online –that will allow you to save your time.
In order to pay this credit card online, you must register for online access on the website comenity pay. Once that is ready, you can login to your credit card account there and make your payment there.
If you have any issue, please check our FAQ or contact the customer service for help by dialing the number 1-844-271-2526.
Activating hot topic credit card online:
Once you have an active comenity bank online account, you can activate your new credit card.
You will want to click on the manage credit cards button to begin the activation process. The portal requires you to enter your card number, name, and additional personal information to confirm your identity once again.
When you have all of the information entered, comenity bank asks you to agree on the terms and conditions of the account. Your credit card will not activate until you click on submit button at the end of this process.
Your online dashboard provides you with access to 48 months of statements while providing standard account services like money transfers and reward balances. You can also view up to 13 months of posted transactions through this portal.
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One of the most overlooked areas of building credit is monitoring your credit. This is truly your first line of defense when trying to build or rebuild your credit. You should try to find a service that allows you to monitor all 3 of your reports.
Making on time payments sounds like a super simple thing to do; however, we all live in the real world where things almost never go as planned. Be sure, no matter what, to make your payments on time because it is super important and is one of the largest factors in your credit score. No matter what, avoid late payments.