Hot Topic Guest List Credit Card Current Credit Card Agreements

Comenity Bank's filed agreement for Hot Topic Guest List Credit Card Current Credit Card Agreements discloses a 35.99% purchase APR. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What the document actually states

What follows is drawn entirely from Comenity Bank's CFPB filing for Hot Topic Guest List Credit Card Current Credit Card Agreements. The filing runs 23 pages.

The disclosure covers a purchase rate and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

How the purchase rate compares

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which sits in the top few percent of the entire set.

The arithmetic of revolving

At the disclosed purchase APR, $2,500 revolving for a full year costs something like $1,082 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $615. The gap — roughly $468 a year on $2,500 — is the price of this particular filing over a typical one.

Per statement cycle that is on the order of $75.02 on $2,500, which is the number that actually shows up on a bill.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The no-interest path

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

What a missed payment costs

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

How it sits in the issuer's own range

Comenity Bank has 45 agreements indexed on this site. Their disclosed purchase rates run from 30.24% to 35.99%, and this one at 35.99% is more expensive than 7 of them.

What you cannot learn from the filing

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

The document itself

This summary stands or falls on the linked PDF — 23 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.99% purchase rate that is inert for a transactor and punishing for a revolver. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.