When it comes to buying affordable products in different daily life categories, Big Lot is a name that is indeed among the top ones. Big Lots Inc. is a community retailer operational at more than 1400 stores in 47 states of the United States of America. The company has its headquarters in Columbus, Ohio.
The company has a long history, with its operations dating back to 1967. The company started as Consolidated Stores Corp and opened the first closeout store called Odd Lots in Columbus, Ohio. After around 16 years, Revco, a drug store chain, bought the Odd Lot Trading Co., a similar closeout retailer in New Jersey.
When Consolidated Stores Corp expanded its operations beyond Columbus, the issue of two similar named companies got the hype. However, Consolidated Stores Corp agreed not to use the Odd name Lots for the stores located outside a certain radius of Columbus. However, they kept the right of limited use of the name for the company’s stores in Columbus.
After two decades of its operations, the company started trading as a public company and registered on New York Stock Exchange. The Consolidated Stores Corp has also gone international with its operations in wholesale markets as well.
The company also has a reward program for customers where they can get discounts and exclusive offers via the company’s credit card. In today’s article, we are going to talk about the Big Lots credit card login, payment, customer service, and a lot more.
What Is Big Lots Credit Card?
Consolidated Corps is running the store chain under the name of Big Lots, and they issue closed-loop credit cards for regular shoppers. The company has collaborated with Comenity Bank to offer store credit cards. Several perks, discounts, and lucrative financing options let you save big on big lot purchases.
Big Lots credit is unlike regular credit cards that can be used anywhere for shopping. Standard credit cards like the ones from MasterCard, American Express, Visa, etc., can be used at any shop or place where these cards are accepted. However, you can use the credit card from Big Lots only at the company’s retail stores and online websites.
Features And Benefits Of Big Lots Credit Card
Here are the main features and benefits of having a Big Lots credit card:
Discounts and Offers
When you have Big Lots credit cards, you get exclusive cardholder perks like financing programs, exclusive offers, and prices.
0% APR on New Purchases
One of the lucrative features of Big Lots credit cards is 0% APR on new purchases. It implies that the new cardholders can enjoy a 0% APR On purchases for up to 24 months.
Interest-Free Financing Options
The most important highlight of the Big Lots credit card is the financing options and offers for the cardholders. You can enjoy interest-free financing for purchases of up to $250. You don’t have to pay any interest if you pay the amount within 6 months. Similarly, you get a 12-months interest-free financing plan for purchases of up to $750.
High APRs
One downside of the Big Lots credit card is the High APR of around 29.99%. The company charges variable APR that can be very high if you are someone who carries a credit card balance. You can easily dodge the APR by clearing your bills timely.
No Annual Fee
There are no annual maintenance or service charges on the Big Lots credit card. Therefore, you can enjoy financing options and exclusive offers from Big Lots without any additional cost.
Easy Credit Terms
If you have a fair credit score above 650, you have a high chance of getting approved for a Big Lots credit card.
Credit Line Increase
Besides the standard offers and perks that come with Big Lots credit cards, you can also call the company’s customer care center to request credit line increases depending on your specific circumstances.
How Do You Qualify For Big Lots Credit Card?
Big Lots customers who want to get the store credit cards must fulfill the minimum qualification criteria below:
- Be at or above the age of majority as defined in your respective state or territory
- Have a valid government-issued photo proof
- Have a government-issued tax identification number
- A valid physical address in the US with street name, rural route, or APO/FPO mailing address
- You cannot apply the card to the PO Box mailing address
- Having a reasonable credit score is also necessary to get approved for a Big Lots credit card
How To Appy For Big Lots Credit Card?
Once you know that you are meeting most requirements to be eligible for a Big Lots credit card, it is time to apply for the credit card. Here are the simple steps you need to follow to get your store credit card from Consolidated Stores Corp:
- Visit the official webpage of Big Lots Credit Card here. Go to the footer menu, look for the ‘Pay and Manage Account’ option, and click on it.
- You will be redirected to Comenity Bank’s website for managing your Big Lots credit card account. Tap on Apply to start your credit card application.
- It will open up the Comenity Bank sign-up page, where you need to complete the information form for application processing.
- Provide the relevant information asked in the forms and proceed forward. The first page includes fields like Name, SSN last four digits, annual income, date of birth, etc.
- Once added, tap on Next and fill in the contact details on the next page. It includes your mailing address, current, and alternative phone number, Zip code, city, state, email, etc.
- Tap on Continue and follow the on-screen prompts to complete the application process!
How To Activate Your Credit Card?
Once you apply for the credit card, you will need to wait until the company sends you your card to the mailing address. When you receive the credit card, here is how to activate credit card:
- Visit the official webpage of Comenity Bank for Big Lots credit cards here.
- Tap on the hamburger menu, and it will open up the available options. Tap on Activate Card, and it will redirect you to the new page.
- The activation page will have several empty fields that you will need to fill with the relevant information. It includes the credit card account number, expiration date, identification type(SSN, Social Insurance Number, or any other id), last four digits of your identification document, and ZIP code/postal code.
- Click on Continue.
- It will take you to the next page, where you must follow the on-screen prompts and activate your card.
How To Register For Online Access?
You get access to the online account against your Big Lots credit card. The online account can be used for paying bills, checking statements, uploading a profile, managing credit, and a lot more. However, you must register for online access to your Big Lots card account to enjoy 24/7 account login and management.
Here is the step-by-step guide on how to register for online access:
- Open the official website of Comenity Bank here.
- Tap on Sign In, and it will open the account login page in front of you. However, you will look for ‘Register Now’ against the Need Online Access option on the webpage.
- It will redirect you to the sign-up page. The first step is account lookup, where you need to enter your credit card account number, ZIP code, ID type, and last four digits of your ID document number. Click on Find My Account.
- You will be redirected to a new page where you have to complete the sign-up form. You will have to enter your email address, phone number, and other information as required.
- Create your username and password for future logins. Authorize the account, and you are good to go!
How To Make Big Lots Credit Card Payments?
You can use several ways to make Big Lots credit card payments.
Online
Use your online account to make credit card payments by following these simple steps:
- Log in to your credit card account via the online access page.
- Navigate to find the EasyPay option, and it will open the new webpage.
- Follow the on-screen prompts to complete the bill payment of your Big Lots credit card in a few clicks.
Via Phone Call
You can also make your payments by calling the official helpline of Big Lots credit card payments. You must follow the on-call prompts and provide the required information to complete the payment via the automatic system.
The customer service number of the Big Lots credit card is 1-888-566-4353.
Via Mail
You can also send payment checks and money orders in the name of Big Lots to the following mailing address:
Comenity Capital Bank,
PO Box 183003,
Columbus, OH 43218-3003.
Customer Service For Big Lots Credit Card
Via Call
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 1-888-566-4353
Alternatively, you can send your credit card-related queries to the mailing address of the Big Lots credit cards here:
Payments:
Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003
