The credit score needed for the Big Lots Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
Apart from your credit score, the issuer will also take other important factors into consideration, such as your:
Number of open accounts
Recent credit inquiries
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the Big Lots Credit Card credit score requirement. You can check your credit score for free on WalletHub.
A credit score of 640 or higher is needed to get a Comenity Bank credit card. Some Comenity credit cards require a credit score of 700 or better, though. In other words, applicants need at least fair or good credit, depending on the card.
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, and most of them only require fair credit for approval. There are exceptions, however, such as the co-branded cards that can be used wherever Visa or Mastercard is accepted. They require at least good credit.… 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.
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