Hello, I have never had a credit card before and I... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » Hello, I have never had a credit card before and I have no established credit history....

Hello, I have never had a credit card before and I have no established credit history. I’ve recently been planning on getting a credit card so I can begin to establish my credit profile and I’m interested in applying for the Hot Topic credit card, but I’m not sure if I would have any chance of being approved for it. Do you think I should apply for this card?

Answered on | Updated on August 23rd, 2017
The content is accurate at the time of publication and is subject to change.

Unfortunately, I do not believe you would be able to gain approval for the Hot Topic credit card if you are completely new to the world of credit and have no established credit history. When you go to apply for the Hot Topic credit card on their website, the fine print states “If you are 18 years of age and have a major credit card in your name, you may apply for a Hot Topic Guest List Credit Card…” Based on this, someone in your position would be able to obtain the Hot Topic credit card. Instead, think about building your credit with a card designed for that.

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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