Maria Adams, Credit Cards Moderator
@m_adams
Your Big Lots Credit Card approval odds are good if you have a 640+ credit score; this means you need at least fair credit to get this credit card. So, it would be a good idea to check your credit score before applying for the Big Lots Credit Card.
Ultimately, keep in mind that whether or not you will get approved for a credit card also depends on various other factors. Other key criteria include your credit history, income, and any debts you owe.
People also ask
What are the easiest store credit cards to get?
Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon.com Secured Credit Card. These cards accept people with "bad" credit, and they all have $0 annual fees.
Here are the easiest store credit cards to get:
- Build Credit: Fingerhut Credit AccountFingerhut Credit AccountLearn MoreLearn More
This is one of the easiest store credit card to get because you can get approved with bad credit. Things you can buy with the Fingerhut Credit Card include clothing, shoes, electronics, garden supplies, tools,...
read full answerDoes the Big Lots Credit Card do a hard pull?
Yes, the Big Lots Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Big Lots Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it...
read full answerWhat Comenity Bank credit cards are easy to get?
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us.
Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as secured credit cards, for...
read full answerDid we answer your question?
@katybug629: it's so true..I had credit with them before. Payed it off on time in 2015. I applied again, score even better..they said no times 2 application. Who do they give credit to!
Don't know who they give credit to, I have a great score, they said I have no auto loan, no student loan, i have no debt! It's all a lie..im reporting them! Applied two times!
Getting approved for a Big Lots credit card is a joke! With a credit score of 741 and no late payments my daughter was denied a credit card. Called Comenity and Experian and no one could explain how they came up with the reasons for denial for which they gave plenty of reasons that didn't add up.. Prior to this she rented an apartment with no problem and just got a credit card from another store with no problem. So having a good credit score and payment history will not get you a credit card at Big Lots!