The Big Lots credit card is most suitable for customers who want to make big purchases at big lots. This is a store branded credit card; this card tends to offer little value. This credit card comes without an annual fee. This credit card offers special financing for its customers on qualifying purchases. One is the 6 months long project financing for purchases of $250 or more, the other is 12 months long project financing for purchases of $750 or more. If you get one of these financing choices, make sure to pay for it on time. If you miss the payment or you are unable to pay in full, you will have to pay the full sum with the interest rate on the entire sum, this is called deferred interest. On the downside, this credit card lacks bonuses. The hiked interest rate makes it impossible to use this card freely. You can however take advantage of the special financing it offers but there is no guarantee that you will be accepted. If you are a frequent shopper at biglots.com, you will enjoy your purchases. This credit card is given by Comenity bank. Big lots were established in 1967, it currently has over 1400 stores across the globe and thousands of products to choose from. In this company, you can purchase items such as furniture for bedrooms, dining rooms, living rooms and lots more, it has a wide variety of furniture. It also offers electronics, health and wellness tips, beauty and hygiene, baby products and lots more. Big lots have over 45 years of experience.
How the Card Works
This credit card has no annual fee. It has special offers for cardholders. It has an interest rate of 29.99%. It has a late payment and returned payment fee of about $38. To be able to apply for this card, you need a credit score of at least 620. Big lots report your credit card reports to three different bureaus, they are; Equifax, Experian, and TransUnion. It comes with a variable APR of 29.99%. There are two ways to make your credit card payment, they are;
1) via a mobile phone; to do this, you just have to call 1-888-566-4353 and tell them your wish to pay your credit card, after that, follow the instructions you will receive
2) via online banking; to do this, you just have to complete the login steps and access your credit card account and then pay for your card there.
On the downside, this credit card does not come with a welcome bonus. It does not offer cashback. It has a ridiculously high APR when compared to other credit cards. This credit card does not include many credit card benefits.
1) No annual fee
2) It comes with special financing options
3) No cash advance fee
4) No balance transfer fee
5) They report your credit card account activity to three different bureaus
6) It gives you zero liability against unauthorized users
7) No foreign transaction fees
8) You can add other authorized users.
How to Apply
- Visit Comenity big lots official website
- When the page loads, tap the ‘apply’ button
- On the next page, enter your personal information such as your first name, last name, middle name, date of birth, social security number, annual income
- Enter your contact information also such as your email address, zip code, state, city, mobile number
- Indicate if you want to add an authorized buyer
- Then, tap on ‘continue ‘
- Follow the steps you will be showed to complete your application process.
To have access your credit card account, follow the steps below;
- Visit big lots credit card official website
- When the page opens, tap on ‘sign in ‘
- Then, key in your username and your password
- Choose ‘remember me ‘ if you want to automatically want to stay logged in.