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 payments to Comenity, not to a Big Lots store or the company's main address. The payment address appears on your monthly statement and in your online account.

You have three main ways to pay: online through your Comenity account, by phone, or by mailing a check. Online payment is the fastest and most direct — you can log in to your account at any time and see your balance, due date, and payment history immediately. Phone payments take a few minutes and let you speak to someone if you have questions about your account.

Mail payments take 7 to 10 business days to reach Comenity, so send them well before your due date to avoid a late fee. The payment address is printed on your statement; if you cannot find it, call the number on the back of your card.

Key Takeaways

  • Big Lots credit card payments go to Comenity Capital Bank, the bank that issued your card, not to Big Lots stores.
  • You can pay online through your Comenity account, by phone using the number on your card, or by mailing a check to the address on your statement.
  • Online and phone payments post within one business day; mailed checks take 7 to 10 business days, so mail early to avoid late fees.
  • Your due date and current balance appear on your monthly statement and in your online account, and you can set up automatic payments to avoid missing a due date.

Paying online through your Comenity account

Log in to your account at the Comenity website or through the Comenity mobile app. You will need your card number and a password; if you have not set up an online account yet, you can create one using your card number and the last four digits of your Social Security number.

Once logged in, select "Make a Payment" and enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Comenity will ask you to confirm the payment method (usually a bank account) and the date you want the payment to post. Payments made before 8 p.m. Eastern Time typically post the next business day.

Comenity also lets you set up automatic payments from your bank account. You choose the amount (minimum payment, full balance, or a fixed dollar amount) and the day of the month it should be deducted. This removes the risk of forgetting a due date and incurring a late fee.

Paying by phone

Call the customer service number on the back of your Big Lots credit card. A representative will ask for your card number and the amount you want to pay. They will confirm your payment method and the date the payment will post.

Phone payments are available 24 hours a day, seven days a week. Like online payments, they typically post within one business day. You do not need to have an online account set up to pay by phone — your card number is enough.

Paying by mail

Write a check payable to Comenity Capital Bank and include your account number (your card number) on the check. Place the check and your payment stub (the detachable part of your statement) in an envelope and mail it to the address printed on your statement.

Mail payments take 7 to 10 business days to arrive and post to your account. Send your payment at least two weeks before your due date to ensure it arrives on time. If you are close to your due date, use online or phone payment instead to avoid a late fee.

What happens if you miss a payment

If your payment does not arrive by the due date, Comenity will charge a late fee. The amount depends on your account terms, but it is typically $25 to $40 for the first late payment. A payment that is 30 days late will also appear on your credit report and may lower your credit score.

If you realize you will miss a due date, call Comenity immediately. Some accounts have a grace period of a few days, and a representative may be able to waive a late fee if this is your first missed payment. Automatic payments prevent this problem entirely — once set up, they deduct money from your bank account on the same day each month without any action from you.

Understanding your statement and due date

Your monthly statement shows your current balance, minimum payment, and due date. The due date is usually the same day each month — often the 15th or the last day of the month, depending on when your account was opened. Your statement also lists all charges, payments, and fees from the previous month.

The minimum payment is the smallest amount you can pay to keep your account in good standing. Paying only the minimum means you will pay interest on the remaining balance and take much longer to pay off your card. Paying the full balance each month avoids interest charges entirely.

Setting up automatic payments to avoid late fees

Automatic payments are the simplest way to ensure you never miss a due date. Log into your Comenity account, go to the "Automatic Payments" or "Recurring Payments" section, and choose the amount and date. You can set it to pay your full balance, your minimum payment, or a fixed amount each month.

You can change or cancel an automatic payment at any time through your online account. If you want to stop a payment before it posts, contact Comenity at least three business days before the scheduled date. Automatic payments deduct money from the bank account you provide, so make sure you have enough funds available on the payment date.

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 phone, online, or mail. The store can direct you to the payment methods, but they cannot process the payment for you.

How do I know if my payment went through?

Log into your Comenity account and check your payment history. Online and phone payments show as posted within one business day. Mailed checks may take 7 to 10 days. You can also call Comenity customer service to confirm a payment was received.

What if I pay more than I owe?

The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling Comenity. Refunds typically take 5 to 7 business days to appear in your bank account.

Can I change my due date?

Yes. Log into your Comenity account or call customer service to request a different due date. Comenity usually allows you to change it once per year, though this varies by account. A new due date typically takes effect on your next billing cycle.

What if I cannot pay my full balance?

You can pay any amount between your minimum payment and your full balance. Paying more than the minimum reduces the interest you pay on the remaining balance. If you are having trouble making payments, call Comenity to discuss your options — some accounts may have hardship programs available.