What credit score do you need for the Big Lots Credit Card?

A credit score of 640 or higher is needed to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).

It is important to know where you stand before applying for a Comenity credit card. You can ... read full answercheck your credit score for free, right here on WalletHub.

What you should know about Comenity Bank credit cards:

Comenity credit cards are known for being easy to get. Most Comenity Bank credit cards are store cards, meaning you can only use them at whatever retailer they’re tied to. On the plus side, most of these cards only require fair credit for approval.

However, there are some exceptions. For instance, Comenity Bank also offers open loop cards, which can be used anywhere Visa and Mastercard are accepted. They require at least good credit.

The Big Lots Credit Card credit limit and APR will be determined based on your creditworthiness. You'll be notified of your credit limit and other account details after approval.

Reviews show that typical fair-credit applicants start with a limit between $300 and $750, but then they see an increase after regular payments.... read full answer

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 can take up to 12 months. You can learn more about how to minimize the credit score damage ... read full answerhere.