Big Lots Credit Card: The big lots credit is issued by the comenity bank. The financing option to get apparel at the store is given the bank.
Big Lots Credit Card
One can enjoy their beneficial offers like cash bank and rewards which results into high rush of credit card customers in line of comenity bank to get the big lots credit card. Also, you’ll be able to take advantage of special member offers, all at no annual fee.
Here, you will get all information like how to login, activate and apply to get big lots credit card of comenity bank. In case of any issue contact the customer care team which works for 24 by 7 for their customers.
How to activate big lots credit card?
To activate your big lots credit card, you use any method as per your choice either online pr by phone.
First, visit the official website of the credit card.
You need to give information of personal and credit card account as well by pressing the activation button of left side of the screen.
After verification, you card is activated.
What should I know before applying for a credit card?
There are a few things to consider before applying for a credit card that you should know.
Credit card score:
Of course, you want to have an idea of what your credit score is before you apply for a credit card. Understand that some cards may not approve you if your credit score is bad.
In fact, 17.6% of the people from the New York Federal Reserve survey who said they applied for new credit got rejected due to a credit score dip.
There are multiple ways to check your credit score on your own including third party sites like Credit Karma and Credit Sesame, your bank, and even an existing credit card that may provide you with a monthly or quarterly update on your score.
If your credit is fair or poor, you may want to look at applying for a credit card that is specifically designed for people with lower scores.
In fact, some secured credit cards don’t even check your credit and encourage people who are looking to build a positive credit history to apply.
Financial assets and income:
You’ll need to share specific financial information when you apply for a credit card.
This includes your annual income, your monthly mortgage or rent payment, current employment status, and other assets. If you’re also adding an authorized user to the application, the credit card issuer may require a social security number for this person as well.
For example, Discover requires that you add the first and last name, address, date of birth, and social security number for all authorized users to your application. Be sure to have this information on hand when you apply to speed up the process.
Types of credit accounts:
Three types of credit cards are mainly used are as:
Revolving credit account:
With revolving credit accounts, you will choose to pay the balance in full or choose to pay a portion of the outstanding balance.
Charge credit account:
These types of accounts require you to pay the entire balance every month and do not usually charge any interest.
You most typically see these types of accounts with local businesses extending a short time of credit with known consumers or to other local businesses.
Installment credit account:
Installment accounts are more traditional loans where the borrower agrees to pay a fixed monthly amount over a set period. Real estate mortgages, auto loans, and personal loans are a few examples of installment credit accounts.
Big lots credit card:
Benefits of the online account at big lots credit card:
Get to track your orders, Get to create and manage wish lists, Get to manage communication preferences, Avail faster checkout with saved payment with shipping info.
Rates and fees: 29.99% for APR as well as for the purchase intro, $38 for Returned Payment or late payment charges.
FAQ questions about big lots credit card:
Who issues big lots credit card?
Comenity bank issues credit cards for big lots. This bank also issues cards for a number of other companies, including hot topic and trek.
How to pay my big lots credit card?
There are two ways how you can pay your credit card from big lots: by phone or through online banking. If you prefer the first way, you should call on this number: 1-888-566-4353.
In the second case, you should follow the guidelines from the login section and access your credit card account. There, you will be able to pay your card.
What are the monthly payments for a big lots credit card?
The amount of monthly payments depends on the amount you spend, your special financing period, and a big purchase you have made for getting that special financing. Keep in mind that if you pay an interest rate, a single charge will be no less than $2.
What if my big lots credit card is stolen?
When it comes to identity theft and/or stealing a credit card, the bank who owns the credit card will begin an investigation once the person who has lost it has notified them.
You are literally leaving a paper trail for law enforcement every time you use it – and it won’t be for long. These days most businesses have cameras, computers have IP addresses and you WILL get caught.
Identity theft is becoming a very big problem in the U.S. and law enforcement is taking it very seriously. If this is something you are doing, you have some serious problems that you need to correct and jail time is likely on your horizon.
Read More: AAA Credit Card
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Never rush into registration of a credit card. Even if the incentives sound great, realize that the offer may be around for a few weeks allowing you the time to do your due diligence and read the fine print.
Make sure you are monitoring your credit score regularly and are clear on your intentions for using the credit card before you apply.