This post covers everything you need to know, including information about the company, which rewards and credit plans they offer, and a guide for staying up-to-date with Big Lots credit card payments. If you do not have the money upfront, you may want to look into a non-secured credit card, but they are harder to qualify for and usually carry higher interest rates. Secured cards require a deposit, typically about $200-300, that gets you a line of credit to use on purchases and balance transfers. If you possess a respectable credit score that is above 640, then you are usually in good shape to qualify for Big Lots credit cards.
If you are buying electronics or furniture etc., you could also pay for your purchases in the following way:
Credit CardCashLoan
Credit Card
If you are planning to purchase electronics or a large amount of purchase. The store offers the provision to pay by credit card. There is no added yearly fee, and the cardholder could choose the among the options to complete that payment:
If you are able to pay the total amount in 6 months, you get zero interest on the purchase of $250 If you are able to pay the total amount in 12 months, you get zero interest on the purchase of $750
In case you are not able to complete the payment in the period, interest will be included in your next installment.
To be eligible for this scheme, you should
Possess a valid Govt. IDBe of legal ageHave a valid SSN/SIN
Criteria for purchasing by Credit Card
To be eligible for the payment, a credit check is done. In this process, your credit score and history will be checked to make sure you are eligible. You could apply by visiting the website online or physically being present at their branches.
Cash
Cash is the cheapest option among the rest, as when it comes to paying using cash, no extra fee is applied, and no interest is included. An item of furniture could be owned by renting it as well. At first, it could seem more feasible financially as the cost is divided into smaller parts. But after a while of use, it would cost you more.
Loan
If you don’t have the amount of cash for a purchase, you could always opt for a loan. In a loan, you usually end up paying for more than anticipated as they come with interest rates. The limit to be eligible for a loan usually starts with a minimum of $1000.
Criteria for purchasing by loan
The criteria to be eligible for a loan varies with every establishment. Your credit score would be the most vital deciding factor. You’ll will be rewarded with better loan options and more accessible options for the payment terms.
The better your credit score, the more personal loan options and greater access to competitive terms you’ll have.
Keeping the Credit score aside. You are required to submit proof that you will financially be able to complete the payment terms. The establishment may ask you to submit the following proof.
Your employerProof of IncomeIf you have any debt pending
If your credit score is low, a secured loan would be a feasible option for you. This kind of load is less risky for the establishments.
Conclusion
Big lots accept various options to complete a payment which include checks, cash, loan, credit card, etc. Cheques being an option is a complicated method for payment. Big lots provide various other forms of payments with added benefits to them, do make sure to check them out.
AM I ALLOWED TO ORDER A HIGH VOLUME OF ITEMS?
Yes, you are allowed to order a high volume of items, but there is a limit, and the system will block your purchase if it exceeds it.
HOW DO I BUY A GIFT CARD?
You could visit any Big Lots branch or buy a gift card online.
HOW DO I USE A PROMO?
You will have to visit their website, and once you reach checkout, you can enter the promo code to redeem your offer.
CAN I CANCEL MY ONLINE ORDER?
You can cancel an order but only after a short time of confirming an order. Once it’s shipped, you will not be able to cancel.
