Hi, reader! Welcome to the “Big Lots credit card” article. This post will cover the credit card’s benefits, drawbacks, fees, eligibility requirements, application and login process, card activation process, payment method, and more.
Big Lots credit card
Having no or low credit history but if you’re interested to get finest store branded as well as closed loop credit card it will be possible to get it. You will choose a big lots credit card if you’re an frequent shopper from a particular brand. Therefore, you can only be used to make purchases at big lots stores and online at biglots.com. You are unable to make purchases with other merchants using this card.
Big lots offer everything from groceries to clothing, cosmetics, and home necessities like mattresses and furniture. big lots provides a store-branded credit card with a limited number of worthwhile benefits. The big lots card’s rewards are only valid for in-store purchases, and it will be expired within 60 days after issuance.
Keeping a good credit history requires making credit card payments on time. Managing payments, setting up auto payment options, and maintaining a minimum balance are all crucial ways to prevent interest.
Big lots Finance
For new purchases, this card offers special financing options with flexible payment plan if you want to to make a large purchase at a big lots store. The payment plan period may vary depending on your purchases, and a year of deferred interest can be very beneficial.
- The minimum purchase amount for a six-month payment plan is $250 or more.
- For a one-year plan, the minimum purchase amount is $750 or more.
- For every $100 spent with your card, you will receive $5.
Big lots lease-to-own program
Big Lots offers its lease-to-own furniture financing program in collaboration with Progressive Leasing. There is no credit history needed to get furnitures lease up to $3,000. You can decide to pay back the purchase lease amount on a weekly or monthly basis, depending on your convenience. Your lease-to-own program comes with conditions for a maximum of one year.
Additional processing fees are not necessary. You must have certain requirements in order to be eligible for this program, such as credit card eligibility requirements. There are three available purchase options in this program: early purchase, 90-day purchase and full one year lease.
Big Reward Program
When compared to the Big Lots credit card, the “Big Rewards Program,” which is a free joining rewards program, offers few useful benefits. It is not necessary to have a Big Lots card in order to take advantage of those benefits.
- Earn a one-time joining bonus of 15% off for new members.
- Get $10 extra for each $200 you spend on furniture.
- After every three purchases, receive a $5 reward.
- Receive a 10% daily discount for active and retired military service members.
Positives
- No annual fees are required.
- Special member exclusives are available to you.
- There is no interest on the equal payment plan, waived interest for two to three years.
- Finance with deferred interest for qualified purchases.
- For two to three years, the equal payment plan with a low annual percentage rate (APR) is available at 9.99%.
- Both official webpage and in-store, use your big lots credit card.
Negatives
- Cash back, rewards, or points are not available with this card.
- Only Big Lots and biglots official website accept this card.
- Once the promotional periods are over, the normal APR will be applied.
- Limited options for redeeming rewards.
- The rewards will be expired within 60 days after issuance.
Fee details
| Annual Fee | $0. |
| Annual Percentage Rate | 35.99% (variable) |
| Late & Returned payment Fee | Up to $41. |
| Minimum Interest payable | $3. |
| Interest Grace Period | 25 days |
| paper Statement Fee | $3.5 |
| Minimum Credit Score | 650 or more |
For more details click here.
The eligibility requirements to get Big lots credit card
- You must have a credit score of at least 650.
- You must be eighteen years of age or older.
- A permanent address in the United States, a bank account, and U.S. citizenship are required.
- Present legal supporting documentation for your income, employment, and personal details.
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What are the process that I need to complete the application for big lots credit card?
Using the official website or visiting the nearest store, you can apply for your card. Let see the process below.
Nearest Store
If you wish to apply for the Big Lots Credit Card, visit your nearby big lots store and inform to store assistant. After that, provide your personal, financial, and other details to complete the application process with the help of store assistant.
By Official Website
- Visit the official website of the big lots credit card.
- Before applying for the card, carefully read its terms and conditions.
- Spot and select the “Apply Now” button.
- The application page will open when you pick the “Apply Now” option.
- Enter your name, date of birth, phone number, residential and mail address, ZIP code, yearly income, Social Security number (SSN), and other details on the application form.
- Make sure your application form is correct before clicking “Submit”.
- Choose “submit” to finish the application process after that.
- Waiting for your application to be reviewed by a bank representative, which should take few business days.
- If you qualify, you will receive an email confirmation from the bank.
Big lots credit card activation or registration process
- Go to the Big Lots credit card’s official website.
- Find and choose the “Activate Card” option.
- The page to activate your card will now show up.
- Enter your credit card account number, the card’s expiration date, your last four SSN digits, and your postal or ZIP code on the activation form.
- After filling out the registration form, click “continue” after making sure.
- After that, the registered mobile number will receive the OTP.
- Click “Activate Card” or “Submit” to complete the credit card registration or activation process after entering the OTP.
How to access my card online? (Login big lots credit card)
- Check out the official website biglots.com.
- Remember to activate your card or register it before logging in.
- Identify the “sign in” option and click on it.
- You can access the login page by selecting the “sign in” option.
- Click “sign in” once you have entered your username and password.
- After logging in, you can finally access and manage your credit card account from any device or online.
- Finally, You can pay your bills, view transaction history, set up auto-pay, set reminder alerts, and more.
What are the ways to made my big lots credit card payment?
Five methods to pay your big lots credit card bills are listed below.
- Online.
- Big Lots Stores in your Area.
- EasyPay option.
- Through telephone.
- By email.
Online
- You should go to the official Big Lots website.
- Identify the “sign in” click it.
- Choosing the “sign in” option will take you to the login page.
- After entering your username and password, click “sign in”.
- Once you have logged into your account, find and click the “Make Payment” option.
- Enter all necessary information on the payment page and make sure it is correct.
- To finish your bills, click “Make Payment” or “Submit”.
Big Lots Stores in your Area
You must bring your credit card and the last four digits of your Social Security number, or your credit card statement from the previous month, if you intend to pay your credit card bills at your nearby big lots store.
EasyPay option
- Visit the official website of big lots.
- Find the “EasyPay” option and click on it.
- The payment page will be displayed after clicking the “EasyPay” button.
- Enter the postal code or ZIP code, the last four digits of your Social Security number, and your credit card account number on the payment page.
- Before click the “Find My Account” option, verify your details.
- After that, select “Find My Account” to obtain your credit card account information.
- Lastly, finish your payment by following the additional instructions.
Through telephone
To make a credit card payment through phone, contact the customer care number (1-888-566-4353) and provide your card information, amount, and other details, and then follow the further instructions.
By email
You need to write your credit card number on a cheque leaf or money order and send mail to official mail address to make a credit card payment. It will only arrive by the deadline if you send it early. To make a payment, use the mail address listed below.
Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003.
Common FAQs
How do I cancel my big lots credit card?
1. At any time, you can cancel your Big Lots credit card by calling 1-888-566-4353 and providing a proper information and reason.
2. You can send a message to cancel your credit card by contacting customer service via the message center.
Final Words
The Big Lots credit card is the perfect choice because of no annual fees as well as financing and lease-to-own program provides various rewards for regular brand consumers. If anyone in your area, friends and family members wants a credit card similar to this one, please tell them about this article.