Big Lots Credit Card Complete Guide

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by: Admin

The Big Lots Credit Card operates as a closed-loop card exclusively applicable at Big Lots retail outlets and on the BigLots.com online platform. While providing specialized financing choices for transactions, it is important to note that its rewards and discounts are confined within certain limits.

Big Lots, headquartered in Columbus, Ohio, is a discount retail chain with over 1,400 stores across 47 states. They provide a diverse range of products, such as furniture, food, home decor, electronics, toys, games and many more, all priced affordably.

Big Lots is recognized for its friendly customer service, reliable value, and cost-effective solutions across various categories.

Big Lots Credit Card

Big Lots Credit Card

If you are interested in applying for a Big Lots Credit Card, it is important to know the eligibility requirements. To apply, you should meet the following criteria:

  • Fair credit score
  • Low debt relative to your income
  • Sufficient income to pay credit card payments
  • Low housing costs in proportion to income
  • Valid U.S. mailing address
  • Age of 18 years or older
  • Possession of a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)

The credit card issuer holds the ultimate decision regarding your application. If accepted, you can activate your card upon receiving it.

What is the maximum age to apply for a Big Lots Credit card?

No, there is no specified maximum age requirement for applying for a Big Lots Credit Card.

Which bank issues Big Lots Credit Card?

Comenity Capital Bank issues Big Lots Credit Card.

Can I use my Big Lots Credit Card anywhere?

The Big Lots Credit Card is a closed-loop card so you cannot use your Big Lots Credit Card anywhere else.

What is the minimum credit score required for Big Lots Credit Card?

The minimum recommended credit score for the Big Lots Credit Card is 640, which falls within the fair credit range.

When will my Credit Card Rewards expire?

Credit Card Rewards will expire 60 days from the date of issuance.

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How to Apply Big Lots Credit Card

To apply for a Big Lots Credit Card, you can utilize the convenient online application process. Follow these steps to apply online:

  1. Visit the Comenity Website https://d.comenity.net/ac/biglots/public/home
  2. Click on Apply.
  3. Proceed to the following page and select Apply Without Pre-Fill
  4. Input your name, address, email, date of birth, Social Security number, annual income, and contact details.
  5. Click on Next.
  6. Opt to add an authorised user, and click “Next.”
  7. Review the Terms & Conditions and click on “Submit.”

The duration for receiving a Big Lots Credit Card after applying is variable. While some applicants receive a decision within seconds, if instant approval or denial is not provided, allow 7-10 business days for the issuer to review your application.

Big Lots Credit Card Customer Service

You can reach Big Lots Credit Card Customer Service through the methods listed below:

ServiceDetails
Customer Care1-888-566-4353
TDD/TTY  1-888-819-1918
Webpagehttps://d.comenity.net/ac/biglots/public/home  
Help pagehttps://d.comenity.net/ac/biglots/public/help

How to check the Big Lots Credit Card application status?

To check the application status, call the customer service at 888-566-4353.

What is the typical processing time for receiving the Big Lots Credit Card?

The Big Lots Credit Card is typically delivered within 7-10 business days from the time of application submission to its arrival in the mail.

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How to Register Big Lots Credit Card for Online Access

To Register an account for the Big Lots Credit Card, follow these steps:

  1. Visit the website https://d.comenity.net/ac/biglots/public/home
  2. Click on the Register Now button.
  3. Fill in Credit Card Account Number, ZIP Code or Postal Code, Social Security Number (SSN), Or Social Insurance Number (SIN) or Alternate Identification (AIN).
  4. Click on Find My Account.
  5. Generate a username and password for your account.
  6. Establish security questions and provide answers.
  7. Review and agree to the terms and conditions.
  8. Click Register to finalist the process.

Once your account is created, you can log in to manage your account, view your balance, make payments, and more.

If you have any questions or need assistance, you can contact Big Lots Credit Card customer service at 1-888-566-4353

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How to Access Big Lots Credit Card Statement

To access Big Lots Credit Card Statement in Online Banking, follow these steps:

  1. Visit the Big Lots Credit Card homepage on the Comenity Bank website https://d.comenity.net/ac/biglots/public/home
  2. Click on the Sign In button to access your account.
  3. Enter your username and password.
  4. Once you are logged in, you can access your account information, including your credit card statement.

    Big Lots Credit Card Login

    Once your account is verified and created, you can log in easily through the following steps:

    1. Visit the Comenity website https://d.comenity.net/ac/biglots/public/home
    2. Click on Sign In
    3. Enter your Username and Password
    4. Click on Sign In to access the account

    As you have logged in, you can manage your account, view your rewards points, and make payments.

    Online login procedures can change, and it is essential to follow the instructions provided by Big Lots Credit Card to ensure a secure and successful login to your credit card. For any assistance, contact Big Lots Credit Card customer service.

    How to Reset Password in Big Lots Credit Card

    To reset your password for the Big Lots Credit Card, follow these steps:

    1. Visit the Comenity website https://d.comenity.net/ac/biglots/public/home
    2. Click on Sign In
    3. Tap on Forgot Username/ Password
    4. Fill the account-related information
    5. Click on Find My Account.
    6. Follow the prompts to reset your password.
    7. Now Log In using your Email and new password.

    For any assistance, you can call Big Lots Credit Card customer service.

    How long does it take to receive a replacement Big Lots credit card?

    Expect to receive your replacement card within 7-10 business days. Upon receiving the replacement card, ensure to activate it before making any purchases.

    What should I do if my Big Lots Credit Card is lost or misplaced?

    You can lock your lost or misplaced card by calling Comenity Capital Bank at 888-566-4353 and requesting a replacement card.

    How to Activate Big Lots Credit Card

    To activate your Big Lots Credit Card, you can follow the steps below:

    1. Go to Comenity’s website https://d.comenity.net/ac/carters/public/home.
    2. Click on the Activate Card tab.
    3. Fill in the Primary Cardholder’s information displayed on the screen.
    4. Tap on the Continue button.

    You can also activate your card by dialling Big Lots Credit Card customer service at 1-888-566-4353.

    Activating your Big Lots Credit Card promptly upon receipt is crucial to ensure its immediate usability. If you encounter any problems or inquiries during the activation process, feel free to reach out to Big Lots Credit Card customer service.

    After activating my card, how soon can I use it for purchases?

    Once you have successfully activated your new card, you can use it immediately.

    Is it possible to use the Big Lots Credit Card to buy cryptocurrencies like Bitcoin?

    Currently, using your Big Lots Credit Card for cryptocurrency purchases, including Bitcoin, is not allowed.

    Big Lots Credit Card Payment

    To make Big Lots Credit Card payment, the available options are:

    Online Payment

    1. Visit the Comenity Bank website https://d.comenity.net/ac/biglots/public/home
    2. Sign into your account using your credentials.
    3. Go to the Payments section and enter your payment details.
    4. Choose the amount you want to pay and submit the payment.

    Mail Payment

    • Prepare a check or money order payable to Comenity-Lane Bryant
    • Write your account number on the payment.
    • Mail the payment to the address provided on your billing statement.

    Phone Payments

    • Call (888) 566-4353 to make a payment over the phone. There may be a processing fee for a phone payment.

    In-Store Payment

    • You can make Big Lots credit card payments in person at any Big Lots location. Payments can be made using checks, money orders, or cashier’s checks in U.S. dollars.

    Automatic Payments

    • Ensure timely payments by setting up automatic payments for your Big Lots Credit Card.

    Note that it may take a few business days for your payment to be processed. Making your payment before the due date is recommended to avoid any late fees or penalties.

    Can I make Big Lots Credit Card Payments using a Mobile App?

    The Big Lots Credit Card does not offer a dedicated mobile app for managing payments.

    Is it possible to select or modify my Bil Lots Credit Card payment due date?

    Currently, Big Lots Credit Card does not permit customers to alter their payment due date.

    What is the processing time for a Bil Lots Credit Card payment to reflect on my account?

    It can take up to 5 business days for a payment to reflect on your account after it has been processed.

    Big Lots Credit Card Complaints

    If you have complaints or need assistance with the Big Lots Credit Card, you have various channels for assistance:

    • Customer Care: Reach out to Big Lots Customer Care by calling 1-888-566-4353 or 1-888-819-1918 (TDD/TTY).
    • Email: Send an email to Big Lots customer service at biglotscc@biglots.com for general inquiries and assistance. For credit report disputes, use privacy@biglots.com.
    • Live Chat: Utilize the live chat option on the Big Lots website for real-time customer service. Access the chat through their website.
    • Consumer Protection Agencies: If you suspect unfair practices or harassment, consider seeking advice or assistance from a consumer protection agency.
    • Attorney Consultation: If you have a specific issue or complaint, consult with an attorney for guidance on your rights and potential legal remedies.

    When reaching out to customer service, be prepared with essential details like your account information and the specific issue. Maintain a record of your communication, including dates, times, and representative names.

    If issues persist, consider filing a complaint with financial regulatory authorities. This documentation is valuable for escalation or referencing your efforts to resolve the complaint.

    Disclaimer: Above the above published information is only for reference purpose. For any changes in the content, we refer to visit the concerned official website, and we are not responsible for anything.

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