Maria Adams, Credit Cards Moderator
@m_adams
Your Big Lots Credit Card approval odds are usually decent 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, like your credit history, income, and any debts you owe.
Kay Hollis, Member
@katybug629
Having a good credit score and credit report does not guarantee you'll get a credit card. My daughter was denied with 741 credit score and all payments on time. Comenity came up with reasons that didn't add up and Experian couldn't help either.
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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!