Pay your Big Lots credit card online, by phone, or by mail
Big Lots offers a store credit card through Comenity Bank. You can pay your bill through the Comenity Bank website, by calling customer service, or by mailing a check. The method you choose depends on how quickly you need the payment to post and whether you want to set up automatic payments.
Most payments made online or by phone post within one to two business days. Mail payments take longer — typically five to seven business days from the date you mail them, depending on postal service and processing time at the bank.
Key Takeaways
- Online payments through the Comenity Bank website are the fastest and most direct way to pay your Big Lots credit card.
- You can set up automatic monthly payments so your bill is paid on the same date each month without you having to remember.
- Phone payments are available 24/7 by calling the customer service number on the back of your card.
- Mail payments should be sent at least one week before your due date to avoid late fees.
Pay online through Comenity Bank
Go to the Comenity Bank website and log into your account using your username and password. If you do not have an online account yet, you will need to create one by entering your card number, Social Security number, and date of birth.
Once logged in, select the option to make a payment. You can pay from a checking or savings account (ACH transfer), or use a debit card. Enter the amount you want to pay and the date you want it to post. Review the details and confirm the payment.
You can also set up automatic payments from this same portal. Choose "Autopay" or "Automatic Payment" and select whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month. This removes the need to remember your due date.
Pay by phone with a customer service representative
Call the number on the back of your Big Lots credit card. A representative will ask for your account information and the amount you want to pay. Have your checking or savings account number ready if you plan to pay by bank transfer, or have a debit card available if you prefer that method.
Phone payments are available 24 hours a day, 7 days a week. The payment will post within one to two business days. This method is useful if you have questions about your account or need help setting up automatic payments.
Pay by mail with a check
Write a check for the amount you owe and include your account number on the check itself. Mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send payment to the store address — use only the mailing address provided by Comenity Bank.
Mail your payment at least seven to ten days before your due date to account for postal delays and processing time. The bank will not receive your check when ready, and late fees explore if payment arrives after the due date. Keep a record of when you mailed the check in case you need to dispute a late payment later.
Set up automatic payments to avoid missed due dates
Automatic payments are the simplest way to stay current on your Big Lots card. You can set them up online through Comenity Bank or by calling customer service. Choose whether you want to pay the full balance, the minimum payment, or a specific dollar amount each month.
Automatic payments post on the date you select, usually around the same day each month. If that date falls on a weekend or holiday, the payment will post on the next business day. You can change or cancel automatic payments anytime through your online account or by calling customer service.
What to do if your payment is late
If your payment does not arrive by the due date, you will be charged a late fee. The amount depends on your card terms, but late fees typically range from $25 to $40 for the first late payment. Your interest rate may also increase if you miss a payment by 30 days or more.
If you realize a payment will be late, call Comenity Bank when ready. Some representatives can waive a single late fee if you have a good payment history. Paying as soon as possible will limit the damage to your account and credit report. Future on-time payments will help restore your credit over time.
Frequently Asked Questions
Can I pay my Big Lots card at the store?
No. Big Lots stores do not accept credit card payments in person. You must pay through Comenity Bank online, by phone, or by mail. Some stores may have a kiosk or customer service desk that can direct you to payment options, but the actual payment goes through the bank.
Is there a fee to pay my bill online or by phone?
No. Comenity Bank does not charge a fee for online or phone payments made from a bank account. If you use a debit card, some banks may charge a cash advance fee, so check with your bank first. Mail payments are also free.
How do I know if my payment went through?
You will receive a confirmation number when ready after making an online or phone payment. Check your online account a day or two later to see the payment reflected in your balance. For mail payments, allow five to seven business days and then check your statement or account online.
What if I want to pay more than the minimum?
You can pay any amount up to your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. You can do this anytime through the Comenity Bank website or by phone.
Can I change my automatic payment amount or date?
Yes. Log into your Comenity Bank account and select "Manage Autopay" or call customer service. You can change the payment amount, the date it posts, or cancel automatic payments entirely. Changes usually take effect within one to two business days.