About Big Lots Credit Card
This guide answers common questions about Big Lots Credit Card using information gathered from available web sources.
What is Big Lots Credit Card?
Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. I agree to be bound by the terms of the Big Lots Credit Card account agreement. Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term. Covered Claims "Claim" means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the Account, the issuance of any Card, any rewards program and/or any prior agreement or account. "Claim" includes disputes arising from actions or omissions prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account. "Claim" has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims.
Sources: https://www.comenity.net/biglots/common/legal/cca.xhtml
How does Big Lots Credit Card work?
Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number.
How to use Big Lots Credit Card?
Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. Interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in full within the promotional period. Minimum Payment: You may pay the entire Account balance at any time.
Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml
Why is Big Lots Credit Card important?
Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. I agree to be bound by the terms of the Big Lots Credit Card account agreement. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term.
Sources: https://www.comenity.net/biglots/common/legal/cca.xhtml
What are the benefits of Big Lots Credit Card?
Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. I agree to be bound by the terms of the Big Lots Credit Card account agreement. Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account .
Sources: https://www.comenity.net/biglots/common/legal/cca.xhtml
What are the requirements for Big Lots Credit Card?
This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the Big Lots Credit Card account agreement at its office in Utah and that the Big Lots Credit Card account agreement is deemed to be made in Utah. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Big Lots Credit Card. We may report Account status and payment history to credit reporting agencies, other creditors and the company whose name or brand appears on your Card. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. Communication Authorization: You give direct consent to us and our affiliates, servicers, agents and contractors, including collection agents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via: any phone number you give us even if the number is or converts to a mobile phone number; any other number you provide, use to contact us or may utilize; any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and any email address you provide to us or any other person or company that provides any services in connection with this Agreement. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. Changes: You agree to notify us at the General phone number or address on the Summary or by updating your information on Account Center immediately upon changing your name, email address, mailing address or phone number. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. ( Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number.
How much does Big Lots Credit Card cost?
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. APR Daily Periodic Rate Margin Purchases 35.99% 0.0986% N/A Annual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and annually thereafter. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. Important Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). Big Lots Credit Card – Legal Docs – Credit Card Agreement Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . APR Daily Periodic Rate Margin Purchases 35.99% 0.0986% N/A Annual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and annually thereafter. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. Minimum Interest Charge If you are charged interest, the charge will be no less than $3.00. Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee.
Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml
Who is eligible for Big Lots Credit Card?
This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the Big Lots Credit Card account agreement at its office in Utah and that the Big Lots Credit Card account agreement is deemed to be made in Utah. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Big Lots Credit Card. We may report Account status and payment history to credit reporting agencies, other creditors and the company whose name or brand appears on your Card. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. Communication Authorization: You give direct consent to us and our affiliates, servicers, agents and contractors, including collection agents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via: any phone number you give us even if the number is or converts to a mobile phone number; any other number you provide, use to contact us or may utilize; any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and any email address you provide to us or any other person or company that provides any services in connection with this Agreement. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. Changes: You agree to notify us at the General phone number or address on the Summary or by updating your information on Account Center immediately upon changing your name, email address, mailing address or phone number. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. ( Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number.
Frequently Asked Questions
What is Big Lots Credit Card?
Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. I agree to be bound by the terms of the Big Lots Credit Card account agreement. Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term. Covered Claims "Claim" means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the Account, the issuance of any Card, any rewards program and/or any prior agreement or account. "Claim" includes disputes arising from actions or omissions prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account. "Claim" has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims.
How does Big Lots Credit Card work?
Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number.
How to use Big Lots Credit Card?
Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. Interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in full within the promotional period. Minimum Payment: You may pay the entire Account balance at any time.
Why is Big Lots Credit Card important?
Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. I agree to be bound by the terms of the Big Lots Credit Card account agreement. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term.
What are the benefits of Big Lots Credit Card?
Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. Note: Your Big Lots Credit Card account is issued by Comenity Capital Bank. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . Promotional Credit Plans for Big Lots Credit Card: Purchases made at a participating Big Lots location on a Big Lots Credit Card Account may qualify for a Promotional Credit Plan as described below. I agree to be bound by the terms of the Big Lots Credit Card account agreement. Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term. Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account .
What are the requirements for Big Lots Credit Card?
This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the Big Lots Credit Card account agreement at its office in Utah and that the Big Lots Credit Card account agreement is deemed to be made in Utah. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Big Lots Credit Card. We may report Account status and payment history to credit reporting agencies, other creditors and the company whose name or brand appears on your Card. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. Communication Authorization: You give direct consent to us and our affiliates, servicers, agents and contractors, including collection agents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via: any phone number you give us even if the number is or converts to a mobile phone number; any other number you provide, use to contact us or may utilize; any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and any email address you provide to us or any other person or company that provides any services in connection with this Agreement. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. Changes: You agree to notify us at the General phone number or address on the Summary or by updating your information on Account Center immediately upon changing your name, email address, mailing address or phone number. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. ( Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number.
How much does Big Lots Credit Card cost?
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. APR Daily Periodic Rate Margin Purchases 35.99% 0.0986% N/A Annual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and annually thereafter. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. Important Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). Big Lots Credit Card – Legal Docs – Credit Card Agreement Rate and Fee Summary This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Big Lots Credit Card Account . APR Daily Periodic Rate Margin Purchases 35.99% 0.0986% N/A Annual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and annually thereafter. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number. Minimum Interest Charge If you are charged interest, the charge will be no less than $3.00. Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee.
Who is eligible for Big Lots Credit Card?
This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account) To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418 ; (TDD/TTY: 1-888-819-1918 ). I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the Big Lots Credit Card account agreement at its office in Utah and that the Big Lots Credit Card account agreement is deemed to be made in Utah. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Big Lots Credit Card. We may report Account status and payment history to credit reporting agencies, other creditors and the company whose name or brand appears on your Card. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 35.99% How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. Communication Authorization: You give direct consent to us and our affiliates, servicers, agents and contractors, including collection agents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via: any phone number you give us even if the number is or converts to a mobile phone number; any other number you provide, use to contact us or may utilize; any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and any email address you provide to us or any other person or company that provides any services in connection with this Agreement. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. To apply you must: Be at the age of majority in your state or territory; Have a valid government-issued photo ID; Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN); Have a street, rural route, or APO/FPO mailing address. Changes: You agree to notify us at the General phone number or address on the Summary or by updating your information on Account Center immediately upon changing your name, email address, mailing address or phone number. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. ( Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. If the New Balance is more than $30.00 (or $37.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $37.00 if you were charged a Late Fee during the prior six billing periods): Regular Purchase, Deferred Interest, Payment Required and Waived Interest, Payment Required 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 (minimum $5) Deferred Interest, Equal Payment or Waived Interest, Equal Payment Purchase amount divided by number of months in promotional period rounded up to nearest $1 Low APR, Equal Payment Purchase amount including calculated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment or Waived Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: • Big Lots: 1-888-566-4353 • TDD/TTY: 1-888-819-1918 • comenity.net/biglots • Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account number.