Big Lots Credit Card: How It Works, Payments, Benefits & FAQs

This guide covers key questions about Big Lots Credit Card using information that was independently verified by the AEO fact-verification process. The sections below focus on the specific questions for which verified evidence is available.

About Big Lots Credit Card

This section provides verified information relevant to the questions collected for Big Lots Credit Card. Only questions that passed the factual verification stage are included.

How do you log in to Big Lots Credit Card?

Official Big Lots Credit Card Account Center: https://d.comenity.net/ac/biglots/public/home. Use the Account Center to access the card account. Big Lots Credit Card – Help – Comenity

Sources: https://d.comenity.net/ac/biglots/public/home

What credit requirements apply to 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. I understand that a prequalification is not a guaranty of credit and a failure to prequalify is not a denial of credit.

Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml https://d.comenity.net/legaldocs/biglots/legal-documents/pre-qualification https://www.comenity.net/biglots/common/legal/cca.xhtml

What should you do if you have a problem with 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. I agree to be bound by the terms of the Big Lots Credit Card account agreement.

Sources: https://www.comenity.net/biglots/common/legal/cca.xhtml

How do you make a payment for 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. 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 ).

Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml https://www.comenity.net/biglots/common/legal/cca.xhtml

What is the customer service number for Big Lots Credit Card?

ement and Customer Privacy Statement. You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at 1-888-566-4353 (TDD/TTY: 1-888-819-1918 ). This consent does not enroll you in paperless statements.

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 ). Big Lots Credit Card – Home – Comenity Big Lots Credit Card – Help – Comenity

Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml https://www.comenity.net/biglots/common/legal/cca.xhtml

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. 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. Big Lots Credit Card – Help – Comenity

Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml

How do you apply 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. I understand that a prequalification is not a guaranty of credit and a failure to prequalify is not a denial of credit.

Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml https://d.comenity.net/legaldocs/biglots/legal-documents/pre-qualification 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.

Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml https://www.comenity.net/biglots/common/legal/cca.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.

Sources: https://d.comenity.net/biglots/common/Legal/schumerbox.xhtml https://www.comenity.net/biglots/common/legal/cca.xhtml

What is the address for 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. I agree to be bound by the terms of the Big Lots Credit Card account agreement.

Sources: https://www.comenity.net/biglots/common/legal/cca.xhtml

What are the alternatives to 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. I agree to be bound by the terms of the Big Lots Credit Card account agreement.

Sources: https://www.comenity.net/biglots/common/legal/cca.xhtml

Frequently Asked Questions

How do you log in to Big Lots Credit Card?

Official Big Lots Credit Card Account Center: https://d.comenity.net/ac/biglots/public/home. Use the Account Center to access the card account. Big Lots Credit Card – Help – Comenity

What credit requirements apply to 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. I understand that a prequalification is not a guaranty of credit and a failure to prequalify is not a denial of credit.

What should you do if you have a problem with 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. I agree to be bound by the terms of the Big Lots Credit Card account agreement.

How do you make a payment for 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. 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 ).

What is the customer service number for Big Lots Credit Card?

ement and Customer Privacy Statement. You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at 1-888-566-4353 (TDD/TTY: 1-888-819-1918 ). This consent does not enroll you in paperless statements.

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 ). Big Lots Credit Card – Home – Comenity Big Lots Credit Card – Help – Comenity

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. 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. Big Lots Credit Card – Help – Comenity

How do you apply 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. I understand that a prequalification is not a guaranty of credit and a failure to prequalify is not a denial of credit.

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.

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.

What is the address for 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. I agree to be bound by the terms of the Big Lots Credit Card account agreement.

What are the alternatives to 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. I agree to be bound by the terms of the Big Lots Credit Card account agreement.