Big Lots Credit Card is a store credit card owned by Big Lots Store. Big Lots does not have a banking license of its own. Hence, the credit card is issued by Comenity Capital Bank. In this article, you will discover what you need to know about this credit card.
You will also get a detailed guide on the application process for this credit card. so, keep on reading.
Big Lots Credit Card
Big Lots is an online retail store that offers a variety of home essentials to customers. There are also more than a thousand physical stores of Big Lots distributed in the USA.
Some of the product categories you can find includes Furniture, beddings, bath, Beauty and personal care and lots more. This retail store also offers credit cards to eligible customers to make purchases in-store and online.
Benefits of Big Lots Credit Card
Before you apply for the Big Lots credit card, it is important, that you know the benefits of the card. This will help you determine if this credit card is the best option for you. some of the benefits of this credit card include:
- No annual fee.
- Members of the store who are also cardholders get exclusive offers and benefits.
- The credit card can be used conveniently for in-store and online purchases.
- An adjustable financing option.
- No membership fees are attached to this card.
- You can also qualify for this card if you have a fair credit score.
- Also, cardholders have the opportunity to manage their card accounts online
These are some of the benefits of Big Lots credit cards. cardholders may also qualify for some rewards and no interest rates if they pay their bills in full for a stipulated time.
Big Lots Credit Card Approval Odds
The chances of you getting approved for the Big Lots credit card are increased when you have a fair credit score (640 and above). There are also other factors that can improve your approval odds.
They include your credit history, debt-to-income ratio, creditworthiness and lots more. although, having a good credit score does not mean that you will be approved for the card, ensure that you check your credit score before you apply.
Big Lots Credit Card Application
The Big Lots Credit card is a good card option for Big Lots customers. The card comes with no membership fees and customers can use it to make purchases without having to carry cash around.
As earlier stated in this article, the credit card is issued by Comenity Capital Bank. As you read on, you will get a detailed guide on how to apply for a credit card.
How to Apply for Big Lots Credit Card
To apply for the Big Lots card online, follow the steps below:
- Open a web browser on a device connected to the internet.
- Enter the URL d.comenity.net/ac/biglots
- Scroll down the page and click on the Black “Apply” Button.
- On the opened page, enter your “Mobile Number”, “Last four digits of your SSN”, and your “ZIP Code”.
After this, click on “Continue” and follow the instructions on your screen to complete the process. You can also choose to apply for a credit card without Prefilling the application.
Big Lots Credit Card Activation
When you get approved for a Big Lots card, it will take at least 7 business days for Comenity bank to mail you the card. To use this card, you need to activate it. you can activate the card over the phone by contacting Big Lots Customer Service. The fastest and easiest way is to activate your card. This article has provided a guide on how to activate your credit card.
How to Activate Big Lots Credit Card
To activate your new credit card, follow the guide below:
- Go to d.comenity.net/ac/biglots with your device.
- Click on “Activate Card” at the top of the page.
- You will be redirected to a new age, provide your “Credit card account number” and the “Expiration Date”.
- Also, fill in your “Identification type” and the last digits of your “SSN”.
- Fill in your “ZIP Code” in the required field and click on “Continue”.
Shortly, your card will be activated and ready for use. You can use this card to make payments in any of the ig lots physical stores or online.
How to Sign Up for Big Lots Credit Card Account
If you have not yet registered your credit card for online access, follow the steps below to do so online:
- Visit the Big Lot’s credit card page online with the URL d.comenity.net/ac/biglots
- Navigate to “Register for Access” on the page and click on it.
- On the opened form, fill in your “Credit card Account Number” and “ZIP Code”.
- Enter your “Social Security Number” and the “Last four digits of your SSN”.
- Click on “Find My Account”.
After this, follow the rest instructions that will be displayed on your screen to complete the process.
Big Lots Credit Card Sign In
You can Sign in to your Big Lots Credit account at any time to view your card balance, pay your bills, review your transaction history and lots more.
Your online account also gives you access to set up automatic payments, redeem rewards, and update your personal information. as you read on, you will learn how to access your credit card account with your computer, smartphone or tablet.
How to Sign In to your Big Lots Credit Card Account
To access your account online, follow the steps below:
- Enter the URL d.comenity.net/ac/biglots into the search bar.
- Click on “Sign In” at the top of the page.
- Next, enter your account “Username” and “Password” in the required fields.
- Click on “Sign In”.
You will be logged in to your account after this. You can click on “Forgot Username or Password” to recover any of your forgotten login details.
Big Lots Credit Card Payments
You can sign in to your account on Comenity’s EasyPay to pay your Big Lots credit card bills. Your account also gives you access to your credit card balance.
To prevent late payment fees, you are required to make payments on the due date before 5: pm. Any payments made after this time will be regarded as late payments.
Online payments can be made during weekends and on holidays. There are also no fees charged for making online payments.
Frequently Asked Questions
Can Big Lots Credit Card be Used Anywhere?
Big Lots credit card is a store card. This means that it can only be used to make purchases in any of the Big Lots physical stores or at www.biglots.com. If you make frequent purchases on Big Lots, you may still consider getting the card.
What Credit Score is Needed to Apply for a Big Lots Credit Card?
If you have fair credit or above, you qualify for the Big Lots card. Apart from a fair credit score, there are other factors that can affect your approval for the card. This includes your income, credit history, creditworthiness and the debt you owe.
What Bank Issues the Big Lots Credit Card?
Comenity Capital Bank is in charge of issuing the Big Lots card to eligible applicants. The Bank also manages the online account services of the credit card. This is because Big Lots does not have the license to offer banking services.
How do I Contact Big Lots Credit Card Customer Service?
If you have issues with your Big Lots credit card or any other service offered by the company, you should contact Customer service immediately. To do this go to www.biglots.com online and scroll down the page.
Under customer care, you have the option of starting a live chat, sending an email or calling the number during the company’s opening hours.
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