Managing your Big Lots Credit Card payments effectively is crucial to avoiding late fees, maintaining a healthy credit score, and enjoying all the benefits the card offers. In 2025, you have multiple ways to make payments—whether online, via mobile, over the phone, by mail, or even in-store. Let’s explore each option in detail and help you choose the one that best fits your lifestyle.
Big Lots Credit Card Payment Guide 2025
Why Paying Your Big Lots Credit Card on Time is Important
Timely payments do more than just prevent penalties—they keep your financial health in check. Here’s why you should never miss a due date:
Avoid Late Fees – Delayed payments can lead to hefty charges.
Protect Your Credit Score – On-time payments contribute to a higher credit rating.
Maximize Benefits – Staying current on payments ensures you qualify for card rewards and offers.
Now, let’s dive into the different payment methods available in 2025.
Fastest & Easiest: Online Payments
If convenience is your priority, online payments are your best bet. Follow these steps:
Visit the Big Lots Credit Card portal and log in.
Navigate to the “Payments” section.
Enter your payment details (bank account or debit card).
Choose a one-time or recurring payment option.
Confirm and submit your payment.
Why Choose Online Payments?
✔️ Instant confirmation
✔️ 24/7 access to payment history
✔️ Set up auto-pay for worry-free payments
Pay Anywhere, Anytime: Mobile App Payments
For those always on the go, the Big Lots mobile app makes payments effortless:
Download the app from the App Store or Google Play.
Log in using your credit card credentials.
Tap on the payment option, enter details, and confirm.
Why Choose the Mobile App?
✔️ Make payments from anywhere
✔️ Receive reminders and alerts
✔️ Secure and user-friendly interface
Traditional Yet Reliable: Phone Payments
Prefer speaking to someone? Pay over the phone by following these steps:
Dial 1-866-576-9519 (Big Lots Credit Card Customer Service).
Follow the prompts or speak with a representative.
Provide your credit card number and payment details.
Confirm your payment and note the confirmation number.
Why Choose Phone Payments?
✔️ No internet required
✔️ Speak to a representative for assistance
Old-School But Effective: Mail-In Payments
If you prefer paper payments, you can send a check or money order via mail:
Make the check payable to “Big Lots Credit Card.”
Include your payment coupon from your statement.
Mail to:
Big Lots Credit Card Payments
P.O. Box 960061
Orlando, FL 32896-0061
Important: Allow 5-7 business days for processing, and always send your payment well before the due date.
Why Choose Mail Payments?
✔️ Ideal for those who prefer traditional methods
✔️ No need for online access
In-Person Convenience: Pay at Big Lots Stores।
Yes, you can pay your Big Lots Credit Card bill in-store! Here’s how:
Find a nearby store using the store locator.
Bring your account details (credit card statement or account number).
Use cash, check, or debit card to complete the payment.
Why Choose In-Store Payments?
✔️ Immediate processing
✔️ Get assistance from store staff
Smart Payment Strategies: Avoiding Late Fees & Managing Your Account
Set Up Auto-Pay – Schedule payments to avoid missing due dates.
Use Payment Reminders – Set alerts on your phone or calendar.
Pay More Than the Minimum – Reduce interest and pay off your balance faster.
Monitor Transactions – Regularly check your account to manage spending.
FAQs: Your Common Questions Answered
Q: When is my Big Lots Credit Card payment due?
A: Your due date is mentioned on your statement—usually 25-30 days after your billing cycle ends.
Q: Can I pay with a debit card?
A: Yes! Debit card payments are accepted online, via the app, and over the phone.
Q: What happens if I miss a payment?
A: You may incur late fees and risk damaging your credit score. Contact customer service if you’re facing difficulties.
Q: How do I check my payment history?
A: Log in to your online account or use the mobile app to view your payment records.
Final Thoughts: Choose Your Best Payment Method
Paying your Big Lots Credit Card in 2025 is quick and hassle-free with multiple options to suit your needs. Whether you prefer digital convenience (online, app, phone) or traditional methods (mail, in-store), staying on top of your payments ensures financial stability.
For more details, visit the Big Lots Credit Card website or call 1-866-576-9519. Stay smart, pay on time, and enjoy your shopping!