Info about Big Lots Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 12 months, 29.99% (V) APR after that
No rewards. You’ll get a whole lot of nothing from the Big Lots Credit Card, rewards-wise. And that should be a big disappointment, considering the best store credit cards offer 5% “cash” back on all purchases, in addition to a hefty first-purchase discount.
Extremely high regular APR. The Big Lots... show more
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The easiest way you can pay your Big Lots Credit Card is either online or over the phone, by calling (888) 566-4353. Alternatively, you can pay your credit card bill via mail. Big Lots Credit Card also allows cardholders to set up automatic payments.
Ways to Make a Big Lots Credit Card Payment
Online: Log in to your online account and access the "Payments" section. Then, choose how much to pay, when to pay it, and where the payment is coming from.
You can also set up automatic payments for the minimum due, your balance, or an amount of your choice. Alternatively, you can make a payment through EasyPay, without logging in.
Phone: Call (888) 566-4353 enter your card information and follow the prompts to make a payment. Please note that there may be a fee to process a phone payment. You have the option to withdraw your payment if you do not wish to pay the fee.
Mail: Send a check or money order (but not cash) to:
Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Write your credit card number on the check, too.
The easiest way you can apply for the Big Lots Credit Card is online. Alternatively, you can submit an application at any Big Lots location. You cannot apply for the Big Lots Credit Card over the phone.
Keep in mind that you need at least fair credit...
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...
You need a credit score of 640+ to get the Big Lots Credit Card. This means people with at least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of...
I think that in this situation it's best to call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918). I mean, you should receive your card in two weeks at most. If not, call them and find out what's going on.
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...
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...
Any purchase amount of $250 or more paid with a Big Lots credit card qualifies for a minimum of 6 months deferred interest financing. This is independent of how long you have had the card, the nature of your purchase or whether you choose to split your purchases between multiple...
Share your insights and review the Big Lots Credit Card
5
38%
4
11%
3
12%
2
12%
1
26%
3.2
65 reviews
65 reviews
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April @AFRUITLOOP33
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5 Star Rating
Verified Customer
It’s. paid on time. Good card, good service, good. people. I love my big lots card
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pkelder @pkelder
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4 Star Rating
Verified Customer
Big Lots card is used for purchasing Christmas decorations for myself, family and reselling. I usually pay it off within 2 to 3 months
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judyraynorjones @judyraynorjones
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2 Star Rating
Verified Customer
I applied tonight i have excellent credit i got turned down plus said it would be 5 to 10 days i have 830 score according to Discover the reason i applied they offering $ 50 off my order so i did not get the deal either cashier said call them now i have hard credit check i advise anyone dont apply for it it could cause score to go lower
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Mike D W @mikew197905
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5 Star Rating
Verified Customer
It's been fantastic the store has everything that you could ever think of friendly customer service I enjoy shopping there it can't be stopped good deals on paper towels all the time
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Yolanda @huttonYolanda7
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5 Star Rating
Verified Customer
I paid my bill $280 I have to pay $4.00 I don’t know what going on somebody need to tell me something I have call people make sure they take these down
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Robert @robertm224
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5 Star Rating
Verified Customer
easy to apply easy to get , the store is new and clean , always pay in full to avoid intrest watch for store coupons and join the members club
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Kimberly @kimberlyf_83
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5 Star Rating
Verified Customer
love the savings at big lots a lot to choose from save on everything i need friendly staff love their seaonal mechandise and their christmas displays
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Thomas @sonnyblu62
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1 Star Rating
Verified Customer
They never report the correct balance which is ZERO! That's $0.00... I will never use this card... because they continue to show a $27 balance from June of 2022!
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Kim Smith @thskws1994
So true. I have 2 accounts with this company. Both have been paid off since June and they still show the balance on both cards. It is ridiculous.
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Christine @christinet_54
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5 Star Rating
Verified Customer
Never used the card; The interest rate was too high. I never contacted customer service for anything The staff in the store are always helpful
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Tanya @tanyap10
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5 Star Rating
Verified Customer
Great card easy to use you’ll be very happy cause it connects to your account . If you miss a payment thru will forgive the late fee once a year.
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