Big Lots Comenity Credit Card Login (2024)

FAQs

How hard is it to get approved 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. A hard pull usually causes an applicant's credit score to drop by 5-10 points.

Frequently Asked Questions. We've changed our name and our identity. Comenity is now Bread Financial. We've expanded beyond credit (credit cards managed by Comenity Bank or Comenity Capital Bank) and saving products to provide simple, personalized payment, lending and saving solutions.

There are several options to pay your bill: in-store at any Big Lots location, online at comenity.net/biglots, by phone at 888-566-4353 (TDD/TTY: 888-819-1918), or through the mail.

They have a 'guest pay option' on the main login page in case you cannot log in, forget your password, or someone is making a payment for the cardholder. It is secure and gives no personal info. You must know your account number.

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

You should have good odds of approval for a Comenity credit card if you have a 640+ credit score and consistent income. You will also need to be at least 18 years old and have a Social Security number as well as a physical U.S. address.

Law360 (July 27, 2022, 3:46 PM EDT) -- Credit card issuer Bread Financial and its subsidiary Comenity Capital Bank have been hit with a proposed class action in an Ohio federal court brought by consumers who say they were prevented from accessing their accounts and hit with late fees because of a customer service ...

What credit bureau does Comenity Bank use for credit card approval? Comenity Bank uses all three major credit card bureaus (TransUnion, Experian, Equifax) for credit card approval. So, if any of your credit reports are frozen, you should unfreeze them before submitting an application for one of Comenity's credit cards.

Note: Credit card offers are subject to credit approval. 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.

Where else can you use a Big Lots credit card? ›

It only works for Big Lots purchases

The Big Lots credit card is a closed-loop card, meaning it only works at Big Lots retail locations and online at BigLots.com. 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.

To log in to your Comenity Bank credit card account, go to the login page on the Comenity Bank website and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.

The bank currently offers more than 145 store credit cards with retailers around the world. Unlike other banks, Comenity Bank does not have any physical locations for customers to visit. If you need to contact them, you can do so over the phone, on its website or via its mobile app.

Bread Financial

Comenity Bank / Parent organization

Does the Big Lots Credit Card do a hard pull? 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.

Credit card offers subject to credit approval. Big Lots Credit Cards Accounts are issued by Comenity Capital Bank.

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.

Some applicants receive a decision in seconds. If you're not immediately approved or denied, allow 7-10 business days for the issuer to review your application. You can also check your Big Lots Credit Card application status at any time, by calling customer service at (888) 566-4353.