Big Lots Account (2024)

FAQs

What credit score is needed for a Big Lots credit card? ›

Yes, the Big Lots Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the Big Lots Credit Card.

Once you've submitted your Big Lots Credit Card application, you may receive a decision right away. If approved, you'll get your new card in the mail within 7-10 business days.

*To ensure a quick refund or exchange, please return in the original packaging with the receipt, packing slip, or confirmation email with order number (Biglots.com orders). In most cases, your refund will automatically go back to the original form of payment used for the purchase.

Can I make purchases before I receive the new card in the mail? As a new cardholder, you can make a purchase in-store using account lookup to complete your purchase. You will need to provide your government-issued photo ID, the last four digits of your SSN, month/day of your birth date, and your zip code.

Your Big Lots Credit Card approval odds are good if you have a 640 credit score or better. This means you need at least fair credit to get approved for this credit card. So, it would be a good idea to check your credit score before applying for the Big Lots Credit Card.

Big Lots Credit Card accounts are issued by Comenity Capital Bank. Review our Financial Privacy Policy and Online Privacy Policy for more information. California Residents: Submit a Data Request Form to make a Do Not Sell or Share My Personal Information request.

It only works for Big Lots purchases

You won't see a Visa or Mastercard logo on your physical card, and you can't use the card for purchases with other retailers.

You can check the status of your Big Lots Credit Card application over the phone at (888) 566-4353.

The retailer, like many others, has grappled with declining sales amid rising prices and a downturn in consumer spending. According to the financial disclosure, sales dropped 10.2% between the first quarters of 2023 and 2024, equating to a loss of about $114.5 million.

Did Big Lots used to be pick n save? ›

In 1998, Big Lots Inc. bought out 'MacFrugals' (Pic 'N' Save) stores for $995 million in stock, converting them to the Big Lots brand.

Big Lots has long sourced from closeout situations such as production overruns, packaging changes, discontinued products, order cancelations, liquidations, returns and other disruptions in the supply chains of others.

Approval for a traditional credit card often means waiting for up to 10 days before you can receive and use a physical card. Yet many card issuers are offering a way around the wait with instant-use credit cards that allow you to use your account and take advantage of cardholder benefits right away.

Yes, you can use a credit card before it arrives in the mail, but only with certain cards. If you want to use a credit card early, you must either have an American Express or Capital One credit card or one of a handful of other offers, including the Apple Card, and some store credit cards.

Lisa Cahill, Credit Cards Moderator

The Big Lots Credit Card can use any of the three major credit bureaus (TransUnion, Experian, or Equifax) for approval. The exact bureau they use varies on a case-by-case basis.

What's the Big O Tires Credit Card credit score requirement? You need a credit score of at least 640 to qualify for the Big O Tires credit card, which is fair credit. That's reasonable, and it's in line with what most store cards require, so make sure to check your credit score in advance.

The best store credit card you can get with a 600 credit score is the Amazon Secured Credit Card. It has a $0 annual fee, offers 2% cash back on Amazon purchases if you are a Prime member, and requires a minimum security deposit of $100, which makes it easier to get with bad credit.

The best store credit card you can get with a 520 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.