Where to send your Big Lots credit card payment
Big Lots credit cards are issued by Comenity Capital Bank, not by Big Lots itself. This means you send your payment to Comenity, not to a Big Lots store or the company's main office. The payment address and methods available depend on which type of Big Lots card you hold — the standard Big Lots Credit Card or the Big Lots Mastercard.
You can find the correct mailing address on your monthly statement or by calling the customer service number on the back of your card. Comenity typically lists a separate address for payments versus general inquiries, so use the payment address specifically to avoid delays.
Key Takeaways
- Big Lots credit cards are managed by Comenity Capital Bank, so payments go to Comenity's address, which appears on your statement.
- You can pay online through your Comenity account, by phone using the number on your card, or by mailing a check to the payment address on your statement.
- Online payments typically post within one business day, while mailed checks take five to seven business days depending on mail delivery.
- Setting up automatic payments through your bank account prevents late fees and helps you avoid missing a due date.
- Late payments report to credit bureaus after 30 days and can raise your interest rate, so paying on time matters for your credit score.
Online payment through your Comenity account
The fastest way to pay is through the Comenity website or mobile app. Log in with your username and password, navigate to the payment section, and choose how much to pay and when. You can pay when ready or schedule a payment for a future date, which is useful if you want to time the payment with your paycheck.
Online payments from a bank account post within one business day. If you pay by debit card through the Comenity site, the payment may post the same day, but Comenity charges a fee for debit card payments — usually around $0.99 to $1.99 depending on the amount. Paying from your bank account directly has no fee.
If you do not have an online account yet, you can create one on the Comenity website using your card number and other identifying information. You will need your Social Security number and the zip code associated with your account.
Phone and automatic payment options
You can pay by phone by calling the customer service number on the back of your card. A representative will ask for your account number and the amount you want to pay, then confirm your bank account information. Phone payments typically post within one business day.
Setting up automatic payments is the most reliable way to avoid late fees. You can arrange this through your Comenity account online or by calling customer service. You choose whether to pay the full statement balance, a fixed amount, or the minimum payment each month. Most people set automatic payments for the full balance on or just before the due date shown on their statement.
Automatic payments remove the risk of forgetting a due date, which is especially valuable if you carry multiple cards or have an irregular schedule. If your balance changes month to month, you can adjust the automatic payment amount anytime through your account.
Mailing a check or money order
If you prefer to pay by mail, write a check or money order to Comenity Capital Bank and include your account number on the check itself. The payment address is on your statement — use that specific address rather than any other Comenity address, because payments sent to the wrong location take longer to process.
Mailed payments typically take five to seven business days to post, depending on mail delivery time and Comenity's processing schedule. If your due date is within a week, mailing a check is risky because the payment may not arrive in time. For payments close to the due date, use online or phone payment instead.
Always keep a record of the check number and the date you mailed it. If the payment does not post within ten business days, contact Comenity customer service with this information so they can investigate.
Due dates and late payment consequences
Your due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. Payments are considered on time if they post by 5 p.m. Eastern time on the due date. If you pay online or by phone, the payment posts within one business day, so you have a small buffer. If you mail a check, you have no buffer — the payment must arrive and be processed by the due date.
A payment that posts even one day late triggers a late fee, usually $25 to $40 depending on your account history. More importantly, a payment 30 days late reports to the three major credit bureaus — Equifax, Experian, and TransUnion — and stays on your credit report for seven years. This late payment can lower your credit score by 100 points or more and may cause your interest rate to jump to a penalty rate, sometimes 29.99% or higher.
If you miss a payment, contact Comenity as soon as possible. Paying the overdue amount when ready stops further late fees and may prevent the account from being reported to the credit bureaus if you are still within the 30-day window.
What to do if you cannot pay the full balance
If you cannot pay the full statement balance, pay at least the minimum payment shown on your statement by the due date. This keeps your account current and prevents late fees and credit reporting. However, any balance you do not pay will accrue interest at your card's APR, which for Big Lots cards is typically 19.99% to 27.99% depending on your creditworthiness.
If you are struggling with the balance, contact Comenity customer service to discuss your options. Some cardholders can negotiate a hardship plan that lowers the interest rate or extends the payment timeline, though this is not may provide. Comenity may also offer a balance transfer option if you have access to another card with a lower rate.
Paying more than the minimum whenever possible reduces the total interest you pay and gets you out of debt faster. Even an extra $10 or $20 per month makes a measurable difference over time.
Frequently Asked Questions
Can I pay my Big Lots credit card at a Big Lots store?
No. Big Lots stores do not accept credit card payments. You must pay through Comenity by mail, phone, or online. Some retailers allow in-store payment for their branded cards, but Big Lots does not offer this option.
What happens if I pay late by accident?
A payment one to 29 days late incurs a late fee but does not report to credit bureaus. After 30 days, the late payment reports to Equifax, Experian, and TransUnion and can lower your credit score. Contact Comenity when ready to bring the account current and stop further damage.
Is there a fee to pay online?
No fee if you pay from a bank account. Comenity charges $0.99 to $1.99 if you pay with a debit card. Mailing a check and paying by phone have no fees.
Can I set up automatic payments for less than the full balance?
Yes. You can set automatic payments for a fixed dollar amount, the minimum payment, or the full statement balance. You choose which option works best for your budget, and you can change it anytime through your account.
How long does it take for a payment to show up?
Online and phone payments post within one business day. Mailed checks take five to seven business days. Payments post by 5 p.m. Eastern time on the posting date, so a payment that posts on day five is considered on time if your due date is day five or later.