Big Lots Credit Account Application

Step 1: Application

Credit Card
  • No Annual Fee*
  • Special Member Offers
  • Flexibility to choose from available financing options when making a qualifying purchase1

Click here for more details on the above benefits

Your Personal Information


-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Contact Information

To open an account, you must have a street, rural route, or APO/ FPO mailing address, and at least one mobile or alternate phone number. PO Box mailing addresses are not accepted.

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

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Cancel Application

You are about to cancel your application. Are you sure you want to cancel? This action cannot be undone.

Yes, Cancel Continue With Application

Cancel Application

By clicking "Cancel", this form will not be submitted and you will return to

No, continue Application

Cancel Acceptance

By clicking "Cancel", this form will not be submitted and you will return to

No, continue Acceptance

Warning!

Your session is about to expire. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session.

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The Big Lots Credit Card account

With Your Big Lots Credit Card You'll Enjoy:

  • No Annual Fee*
  • Special Member Offers
  • Flexibility to choose from available financing options when making a qualifying purchase1
  • In store account lookup to complete your purchase, should you forget your Big Lots Credit Card
  • Your credit card account summary information will be available at the register, so you know exactly how much credit you have available
  • 24/7 online account management
  • Paperless billing option to make life easier

*Standard variable Purchase APR of 29.99%, based on the Prime Rate. Minimum Interest charge is $2.00 per credit plan.

1Promotional financing available with Big Lots Credit Card Accounts offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required. Subject to credit approval. See Store Associate for details.

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Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


Your credit score as of 03/26/2019: 0


 

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

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Your Temporary Account

Credit Card
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Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.
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Know how to use your temporary account

You may use your Temporary Shopping Pass as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

  • You may use this Temporary Shopping Pass for up to
  • A single transaction cannot exceed $0.00
  • You may use the Temporary Shopping Pass for up to 0 transactions
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