Big Lots Credit Card Login – The Big Lots Credit Card Review- Worth It?

The Big Lots Credit Card: Worth It?
This is a store card issued by Comenity, to those with good credit scores (of at least 650). Although, it does not give cash back, discounts but demands no yearly fee, and gives users special financing on certain purchases. It is interesting to note that this card can only be used to make purchases at Big Lots stores.
So, if you have good credit as indicated below and you are the type that makes pricey purchases at Big Lot stores, you can consider this card. It gives special financing on purchases.
The Big Lots credit card is a Store card considered to present low value.
The credit card comes with no annual fee – which is natural for these credit cards. But then it comes with a high-interest rate is 29.99%
The key reward of the Big Lots credit card is that it offers special financing that seems like some great offers though. This is very beneficial for those who are thinking about making expensive purchases from the store.

Points to Note

The special financing offers changes from time to time, and so ensure you find out when applying if the offer is ongoing.

Two Possible Financing Option Available

  • 6-month financing period for purchases of USD 250 or more.
  • 12-month financing for the purchase of 750 USD or more.

When you use one of the financing options, ensure to pay on time. If you do not pay the full amount by the end of the funding period, then you will be charged to pay the full interest rate for the entire funding amount (called Deferred Interest). That will be quite huge since the payment is high at 29.99%, you will suffer large losses if you do not pay in time for financing.
The Big Lots Credit Card
The card has no annual fee and can only be used for purchases from Big Lots stores.
There is no rewards program associated with the card, and no cashback or discounts to earn with the card.
Big Lots has a separate rewards program that is open to everyone, not just cardholders.
Financing conditions can also change. This may be as a result of your credit rating. The company claims that it can change its financing policy at any time.
Also, see: Stage Credit Card Apply – Online Login | Stage Credit Card

Features of this Card

  • This card demands no yearly fee.
  • There are no discounts, cash advances or rewards.
  • Users are being given special financing offers on certain purchases.
  • This card offers fraud liability features.
  • It helps by reporting your card activities to the credit card bureaus.
  • There are no cash sign up bonus, reward limit and maximum reward rate on purchases.
  • Users are to pay a returned payment fee of $38.
  • It has an unsteady purchase APR of 29.99%.
  • Users are not given any introductory rate on fresh purchases.
  • Customers are expected to have a credit score of 650.
  • And the late payment fee for this card is $38.
  • Note that for each credit plan, the minimum interest is $2.

Though this card gives no cashback on purchases, but once in a while users are being given exclusive offers on certain purchases.
If you wish, you can sign up for the Big Lots Big Rewards program. This is a reward program that allows you to get $5 on three purchases and $10 on purchases involving furniture, with VIP Shopping Days, birthday offers, etc. It also allows you to combine rewards and discount not excluding other offers. Sadly, this card cannot be used for Big Lots of online purchases.
As a matter of fact, you can make purchases when you are not with your card. Because there is always an associate who helps those that find themselves in such a situation.
Since your card (financial) activities are being sent to the credit bureaus (Experian and Equifax), I advise you to use your card wisely. As this shows you are trustworthy financially and as such your credit score can be increased.

Big Lots Login

  • Having an online account enables you to make purchases and pay with your card or check your balance.
  • To do this, you must complete a simple login process. When checking your card, we’ll show you how to log in to your credit card account.
  • First Go the Comenity bank website URL
  • You will see the bank’s login online menu located on the page.
  • You can complete the process
  • First, enter your username in the first field
  • Then enter the password for the credit card account in the field provided.
  • You can also check the box just by the “Remember me” – which will allow you to save your username for future login sessions.
  • Click the “Log in” button and access your credit card account.

Making Pay with the credit card

When it comes to paying with the credit card, there are two ways to do it. Here are the payment methods for a BL credit card:
Using this card allow to make via to methods
By phone. To do this, just call 1-888-566-4353. Then follow the operator’s instructions.
Through online banking. To do this, first “Log in” to access your online credit card account and pay the card.

Applying for a Big Lots credit card

You can simply apply for this card from your comfort zone, anywhere you are. For this reason, you are to first navigate to the Comenity website.
Go to the card’s website to begin
As soon as you get there, complete the online application form by giving the requested personal details.
Enter your personal details I.e your name, social security number, date of birth and most necessary your yearly income.
Then continue you are required to enter your contact address, phone number, and email address.
At this point, you can add an authorized buyer which is optional.  So do as the occasion serve you.
And click on ‘Continue’
Ensure you read it carefully so you can correct any mistake. After that, you just have to submit your card application.
However, if your credit score is not up to 650, you can consider other cards.

Is the Financing Offer for Real?

Sincerely speaking, this card gives special financing on certain purchases made at Big Lots stores. Although, it changes the worst of it all, is that it is not standardized. For this reason, you are to check their recent bonuses whenever you make purchases.

What amount of rewards can be obtained?

Though this card gives no cashback on purchases, but once in a while users are being given exclusive offers on certain purchases.
If you wish, you can sign up for the Big Lots Big Rewards program. This is a reward program that allows you to get $5 on three purchases and $10 on purchases involving furniture, with VIP Shopping Days, birthday offers, etc. It also allows you to combine rewards and discount not excluding other offers. Sadly, this card cannot be used for Big Lots of online purchases.

How important is this card

If you are a customer at Big Lots store then, this card is the right card for you. Though, it does not offer cashback and cannot be used to make purchases online or elsewhere except at Big Lots store but, gives special financing and discounts. Lastly, this card worth a try.

Advantage of Having this Card

Besides, this card issues no reward but there are other benefits that come with this card.  First, this company gives an account of your credit report to two of the three major credit card bureaus. Secondly, it has fraud liability features.

Is it Worth It?

The Good Side of the Card
You get more special financing options.
No annual fee.
The Bad Side of the Card
Extremely high-interest rate.
Cards can only be used in Big Lots.
Based on the facts above you can make your decision.

What is the purchase APR for this card?

This card has a purchase APR of 29.99%.

What Type of Credit Score is required?

Like other store cards, this card demands a fair credit score and this is one the requirements for this card. If not for any other reason, at least the credit requirement for this card is fair enough, therefore, you can try this card. So, you are to have a credit score of at least 650.

Which Company Issues this Card?

The Big Lots Card Accounts are issued by the Comenity Capital Bank. This I must say is the determinant factor when it comes to qualifying for promotion eligibility and credit. Be mindful of the fact that, the minimum payment due can never be below $30. And the minimum interest fee for each credit plan on this card is $2. Depending on the prime rate, it has an unsteady purchase APR of 29.99%

Are Credit Card Bureaus Given Access to my Card Activities?

Yes, it does. And as such, your card (financial) activities are being sent to the credit bureaus (Experian and Equifax), I advise you use your card wisely. As this shows you are trustworthy financially and as such your credit score can be increased.
Thank you for choosing our credit card review.
 
 

Leave a Comment

Your email address will not be published. Required fields are marked *