How To Pay Big Lots Credit Card: Online, Phone Or Mail

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Do you love shopping at Big Lots? Now, you can save even more money when you shop at Big Lots by using your Big Lots Credit Card. You’ll get exclusive discounts and rewards just for using your card. 

With your Big Lots credit card, you’ll be able to take advantage of our special financing offers so you can buy the things you love now and pay for them over time. And there’s no annual fee. Now, do you want to know more about the Big Lots credit card? If so, then keep on scrolling!

Benefits Of Big Lots Credit Card

The Big Lots credit card is a great way to save on purchases from America’s largest retailer. 

  • You can enjoy special member exclusives.
  • No annual fees. 
  • You can use your Big Lots credit card in-store or online.
  • You can purchase anything from Big Lots and pay in easy installments with 0% interest over 6 or 12 months (intro period). 
  • The minimum purchase amount to qualify for 6 months installments plan is $250 or more (made with your Big Lots credit card). As for a 12-month installments plan, the minimum purchase amount to qualify is $750 or more.

Note: If you fail to pay your promotional plan balance within the promotional period, you’ll have to pay up to 29.99% of the accumulated interest.

Online Account Access

If you’re a Big Lots credit cardholder, you can access your account online anytime, anywhere. Simply log in to your account and start managing your account information.

You’ll be able to view your account balance, make payments, check your transaction history, and more. Plus, with Big Lots credit card sign-in, you can also sign up for paperless statements so you can stay on top of your finances without having to worry about paper clutter.

Big Lots Credit Card Login

Here is how to access your Big Lots card online:

  • Go to this link to open the homepage.
  • Click on the Apply button in the header. 
  • Now, enter the required credentials such as your Big Lots Username and Password
  • Click on Sign In and you’re done with the process.

Register Online

If you want to register for Big Lots credit card online, then here is how to do it:

  1. Go to the Big Lots credit card site and click on the Apply button.
  2. Here, enter the required details.
  3. Then click Continue (Remember to read all the points that are mentioned in the terms & conditions section).
  4. Now, simply click on Apply Now button, and it’s done.

Forgot Password

If you forgot your password, then follow these simple steps:

  1. Under the Login section, click on the I forgot my Password option.
  2. Now, enter the necessary details including, Account Number, Last digits of SSN, and ZIP Code, and click Find My Account.
  3. Select the new password and then log in with it.

Forgot User ID

Here is how to recover your User ID:

  1. Click on the I forgot my User ID to start.
  2. Now, enter your Account Number, identification type, and last four digits of SSN and ZIP Code.
  3. Click Find My Account.
  4. Note down your User ID once you get it.

Big Lots Credit Card Services

big lots financing options

Big Lots credit card services offer a variety of credit card services to help you manage your finances. You can use our online tools to track your spending, set up payment online plans, and more. Their customer service team is available 24/7 to answer any questions you may have and provide further assistance. 

Big Lots Credit Card Bill Pay Phone Number

To make paying your bill even easier, we’ve provided a handy guide on how to pay your Big Lots credit card bill by phone. Just call Big Lots credit card care phone number: 888-566-4353. A representative or an automated system will pick up your call, and you can follow their instructions to complete your phone payment for free.

Big Lots Credit Card Payment Address

You can mail the payment to Comenity Capital Bank’s address with a check/money order in their name with your remittance slip. Here is the address: 

Comenity Capital Bank 

PO Box 183003,


OH 43218-3003

To ensure that your payment is applied to your account promptly, write your Big Lots card account number on your check. 

Customer Service Hours

If you have any concerns or questions about the Big Lots credit card, you can contact them at 888-566-4353. Their working hours are not specified, but you can call them during general working hours.

How To Pay Big Lots Credit Card?

Assuming you have a Big Lots credit store card, there are a few ways you can pay your bill. 


  1. Go to Big Lots credit card website and enter your credentials to log in.
  2. Now, hover over the Payments option and select View and Make Payments.
  3. From the options, select pay your current balance or another amount.
  4. Here, select the date on which you want the payment to get processed.
  5. Add your bank’s routing number and checking number in their respective fields.
  6. Now, click Submit, and that’s it!

By Phone

If you’re wondering how to pay your Big Lots credit card by phone, here’s a quick and easy guide on how to do it:

Method 1:

  1. Call at 888-566-4353, and a customer service representative will pick up your call.
  2. The representative will guide you through the payment process.
  3. Keep your account number, invoice, social security number, and routing number near you for a smooth transaction.
  4. Just follow the instructions, and that’s it.

Method 2:

  1. Dial 888-566-4353, and the automated system will receive your call.
  2. Enter your credit card number when prompted.
  3. You will then be asked to enter the amount you wish to pay.
  4. Once you have entered the amount, you will be asked to confirm the payment.
  5. That’s it! Your payment will be processed and you’ll be all set.

By Mail

Follow these simple steps to make payment through mail:

  1. Gather your check or money order and a pen or pencil. You will need both of these items in order to complete the payment process.
  2. Make sure that the check is made out to Comenity Capital Bank,
  3. Fill out the check with your name, account number, and the amount you are paying. Be sure to double-check that all of the information is correct before mailing it off.
  4. Mail your payment to Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003.
  5. Once your payment is received, it will be processed and applied to your account online.

Via the Mobile App

There is no official app for Big Lots credit cards, but you might pay your bill through the Comenity Capital bank app. 

How To Avoid Late Fees?

Most people are aware that credit card companies charge late fees if you don’t pay your bill on time. However, what many people don’t know is that there are ways to avoid these fees. If you’re looking to avoid late fees ($40) on your Big Lots credit card, there are a few things you can do. 

  • Be sure to make your minimum payment by the due date each month. You can find your due date on your monthly statement. You can set up automatic payments to prevent the hassle of keeping track of your payments. If you’re ever unsure of when your payment is due, you can always call customer service for help. 
  • If you’re unable to make a payment by the due date, contact Big Lots as soon as possible. They may be able to work with you to set up a payment plan or offer other options.
  • If you’re running short on cash and can’t make your full payment by the due date, consider making a partial payment. Even if it’s just a few dollars, this will show that you’re trying to make a good faith effort to pay off your debt. As long as you make some kind of payment by the due date, you won’t be charged a late fee.
  • Contact Big Lots customer service to discuss your options if you’re having trouble making payments on time. They may be able to work with you to create a payment plan that fits your budget.
  • Keep in mind that if you’re late on your payments, this will negatively impact your credit score. So, it’s always best to try to make your payments on time, every time.

In general, it’s always best to avoid late fees if possible. However, if you do end up being charged a late fee, be sure to pay it as soon as possible. This will help you avoid any additional fees or interest charges.


Do You Have To Have Good Credit For Big Lots?

Big Lots require a minimum 640 or better credit score to get a Big Lots Credit Card. This is specifically beneficial for people with the least fair credit.

What Bank Issues Big Lots Credit Card?

The Big Lots credit card is issued by Comenity Capital Bank. Comenity Capital Bank is a major issuer of 93 retail store credit cards, with over 50 million cardholders.

Comenity Capital Bank offers a number of benefits to cardholders, including special financing options, rewards programs, and exclusive discounts. If you’re a frequent shopper at Big Lots, having a Comenity Capital Bank-issued credit card can help you save money on your purchases.

What Credit Score Is Needed For Big Lots Credit Card?

Indeed, the Big Lots credit card will be a hard pull. You will require a credit score of at least 640 to get it approved, which is comparable to what most store cards require. It is impossible to pre-fit the bill for the Big Lots credit card. 

Final Thoughts

The Big Lots credit card could be a great addition to your wallet, especially if you are an avid Big Lots shopper. With no annual fee and various rewards, this credit card is worth considering. Just don’t delay the payments; clear them all by the end of the billing cycle to avoid getting charged a high APR (29.99%). You can also visit ValueWalk to stay up-to-date.