Where to pay your Big Lots credit card bill
You can pay your Big Lots credit card through three main routes: online through your cardholder account, by phone with a customer service representative, or by mailing a check to the payment address on your statement. The online method is fastest and gives you when ready confirmation. Phone payments take a few minutes but require speaking with someone. Mail payments take 7 to 10 business days to reach the processor, so send them well before your due date if you want to avoid late fees.
Your Big Lots credit card is issued by Comenity Capital Bank, which handles all payments regardless of which method you choose. This matters because the mailing address and phone number on your statement belong to Comenity, not to Big Lots stores themselves.
Key Takeaways
- Online payment through your Comenity account is the fastest method and shows your payment status when ready after submission.
- Phone payments go through Comenity Capital Bank at the number on your statement, and you can pay with a bank account or debit card.
- Mailed checks should be sent to the address printed on your statement and take 7 to 10 business days to post to your account.
- Your due date and minimum payment appear on your monthly statement and in your online account, and late payments trigger fees and interest charges.
Paying online through your cardholder account
Go to the Comenity website or use the Comenity mobile app to log into your Big Lots credit card account. You will need your card number and the password you created when you first set up online access. If you have never logged in before, you can create an account using your card number and other identifying information from your statement.
Once logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard. Enter the amount you want to pay (you can pay the full balance, the minimum payment, or any amount in between), choose your payment method (bank account or debit card), and confirm. The payment posts when ready, and you will see your updated balance right away. Keep the confirmation number for your records.
Paying by phone
Call the customer service number on the back of your Big Lots credit card or on your monthly statement. Have your card number and the amount you want to pay ready before you call. A representative will walk you through the payment and ask whether you want to pay from a checking or savings account, or from a debit card.
Phone payments are processed the same day you call, though the payment may not show in your online account for a few hours. Ask for a confirmation number before you hang up. If you call after business hours, you can use the automated phone system to make a payment without speaking to anyone, though some people prefer the confirmation of speaking with a representative.
Paying by mail
Write a check for the amount you owe and mail it to the address shown on your statement under "Payment Address" or "Send Payment To." Do not send payment to a Big Lots store location — it will not reach the right place. Include your account number on the check itself or on a separate note in the envelope so the payment gets matched to your account correctly.
Mail payments take 7 to 10 business days to arrive and be processed. If your due date is coming up, mail your payment at least two weeks in advance to avoid a late fee. If you are cutting it close, use online or phone payment instead. Keep a copy of the check or a photo of it for your records.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, you will be charged a late fee (the amount varies but is typically $25 to $40 for a first late payment). Your interest rate may also increase, and the missed payment will be reported to credit bureaus, which can lower your credit score. After 30 days past due, the account may be flagged for collections.
If you realize you will miss a due date, contact Comenity customer service before the date passes. Some cardholders have been able to negotiate a one-time waiver of a late fee or a temporary payment plan, though this is not may provide. The sooner you call, the more options you may have.
Setting up automatic payments
If you want to stop thinking about your Big Lots credit card payment each month, you can set up automatic payments through your online account. Log in, find the "Automatic Payments" or "Recurring Payments" section, and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the date you want the payment to come out (ideally a few days before your due date to give yourself a buffer).
Automatic payments come from a bank account you authorize, not from a credit card or debit card. Once set up, the payment happens on the same day each month without you having to do anything. You can change or cancel automatic payments anytime through your account, so there is no long-term commitment.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments show in your account balance when ready after you submit them. However, if you are trying to avoid a late fee, check your statement to confirm the due date — payments must post by 5 p.m. Eastern time on the due date to count as on-time in most cases.
Can I pay my Big Lots credit card with a credit card?
No. Comenity only accepts payments from a bank account (checking or savings) or a debit card. Paying a credit card with another credit card is not allowed and would count as a cash advance on the second card, which carries higher interest rates and fees.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account that will be applied to your next statement. You can also request a refund of the overpayment by calling customer service, though this takes a few business days to process.
Is there a fee to pay my Big Lots credit card?
No. Comenity does not charge a fee for any payment method — online, phone, or mail. The only charge you will face is a late fee if your payment does not arrive by the due date.
What if I need to dispute a charge on my Big Lots credit card?
Contact Comenity customer service to report the charge. You do not need to withhold payment while a dispute is being investigated, but you can request that the charge be temporarily removed from your balance while they look into it. Keep records of your purchase and any communication with the merchant.