Big Lots lets you pay your credit card bill online through their website or mobile app, or by phone with a customer service representative.
Big Lots issues a store credit card through Comenity Bank. When you carry a balance, you can make payments through the Comenity portal, which is separate from the Big Lots website itself. You'll need your account number and online login credentials to access it. Payments made online typically post within one business day.
You can also pay by phone by calling the customer service number on the back of your card, mail a check to the address listed on your statement, or set up automatic payments so the same amount withdraws from your bank account each month on a date you choose.
Key Takeaways
- Big Lots credit card payments are processed through Comenity Bank's online portal, not through the Big Lots website directly.
- Online payments typically post within one business day, so plan ahead if your due date is soon.
- You can pay by phone, mail, automatic transfer, or online; automatic payments help you avoid late fees if you set them to arrive before your due date.
- Late payments trigger a fee and may increase your interest rate, so knowing your due date and payment method matters for your monthly budget.
How to Set Up Your Online Account with Comenity
Visit the Comenity Bank website and look for the login section for Big Lots cardholders. If you don't have an online account yet, you'll need to register. You'll provide your card number, Social Security number, and date of birth to verify your identity. Once registered, you can log in anytime to view your balance, transaction history, and due date.
Write down your username and password somewhere secure, or use your browser's password manager. You'll need these credentials every time you want to check your account or make a payment online. If you forget your password, Comenity offers a reset option on the login page.
Making a Payment Through the Online Portal
Log into your Comenity account and select the payment option. You'll be asked how much you want to pay — you can pay the minimum, the full balance, or any amount in between. Then you'll choose your payment method: bank account (which takes one business day) or debit card (which may process faster but may carry a fee).
Review the payment details before you confirm. The portal will show you the amount, the date it will post, and your new balance after the payment. Once you submit, you'll receive a confirmation number. Save or print this for your records in case you need to dispute the payment later.
Paying by Phone or Mail
The customer service number is on the back of your Big Lots credit card. Call during business hours and a representative will walk you through the payment process. They'll ask for the amount you want to pay and your bank account or debit card information. Payments made by phone are usually processed the same day you call.
If you prefer to mail a check, write your account number on the check and send it to the address on your statement. Mail payments take longer — typically five to seven business days to post — so send them at least two weeks before your due date to avoid a late fee. Include only the check; do not send cash.
Setting Up Automatic Payments
Automatic payments remove the risk of forgetting a due date. Log into your Comenity account, find the autopay section, and link a bank account. You'll choose the payment amount (minimum, full balance, or a fixed dollar amount) and the day of the month you want it to withdraw.
Set the payment date at least three days before your due date to account for processing time. If your due date is the 15th, schedule autopay for the 12th. You can change or cancel autopay anytime through your online account, but remember that canceling means you're responsible for making manual payments again.
What Happens If You Miss a Payment
A payment is late if it doesn't arrive by the due date shown on your statement. Late payments trigger a late fee (the amount varies but is typically $25 to $40) and may increase your interest rate, sometimes significantly. The higher rate applies to new purchases and any remaining balance.
If you miss a payment, contact Comenity as soon as possible. Some cardholders can negotiate a one-time fee waiver if they have a good payment history and call before the account is reported to credit bureaus. The sooner you pay, the less damage to your credit report. Payments 30 days or more late are reported to the three major credit bureaus and stay on your report for seven years.
Comparing Payment Methods and Timing
| Payment Method | Processing Time | When to Use It |
|---|---|---|
| Online (bank account) | 1 business day | You have at least 2 days before your due date |
| Online (debit card) | Same day to 1 business day | You need faster processing; may charge a fee |
| Phone | Same day | You prefer speaking to a person or need immediate confirmation |
| 5 to 7 business days | You plan ahead and send at least 2 weeks early | |
| Automatic payment | Scheduled date | You want to remove the risk of forgetting |
Frequently Asked Questions
Can I pay my Big Lots credit card bill through the Big Lots website?
No. Big Lots credit card payments go through Comenity Bank, not the Big Lots website. You must visit Comenity's portal or call the number on your card to make a payment. The Big Lots website does not process credit card payments.
Is there a fee to pay my bill online?
Paying by bank account transfer through the Comenity portal is free. Paying by debit card online may carry a fee (typically $1 to $3), though some cardholders are not charged. Call Comenity to confirm whether debit card payments have a fee on your account before you pay that way.
What if my payment doesn't show up after I submitted it online?
Payments made online typically post within one business day. If more than one business day has passed and the payment still doesn't appear, log back into your account to confirm the payment was submitted and received a confirmation number. If it was submitted, contact Comenity customer service with your confirmation number.
Can I change my automatic payment amount or date?
Yes. Log into your Comenity account anytime and update your autopay settings. You can change the amount, the date, or cancel autopay entirely. Changes usually take effect within one to two business days. If you cancel, remember to make manual payments so you don't miss a due date.
What should I do if I can't pay the full balance by my due date?
Pay at least the minimum amount by the due date to avoid a late fee and credit damage. You can pay the rest later. If you're struggling to pay even the minimum, contact Comenity before the due date to discuss your options — some cardholders can work out a payment plan or temporary relief.