Where to send your Big Lots credit card payment

Big Lots credit card payments go to Comenity Bank, the company that issues and manages the card on behalf of Big Lots. You cannot pay Big Lots directly — the store itself does not process these payments. Comenity handles all billing, statements, and payment processing for the card program.

You have three main ways to send your payment: online through your account, by phone, or by mail. Each route reaches Comenity, but the speed and confirmation you get back differ. Online and phone payments post within one business day; mailed checks take five to seven business days to arrive and clear.

Key Takeaways

  • Big Lots credit card payments are processed by Comenity Bank, not by Big Lots stores, so you must contact Comenity to pay your bill.
  • Online payment through your Comenity account is the fastest method and shows confirmation when ready after you submit it.
  • Phone payments are processed the same day you call, but you will need your card number and account information ready.
  • Mailed payments take five to seven business days to reach Comenity's processing center, so send them at least a week before your due date to avoid a late fee.
  • Your due date appears on your monthly statement and in your online account — paying by that date keeps your account in good standing.

Paying online through your Comenity account

The fastest and most straightforward method is to log into your account on Comenity's website and schedule a payment there. Go to comenity.com, select "Sign In," and enter your username and password. If you have never logged in before, you will need to register first using your card number and the last four digits of your Social Security number.

Once you are logged in, look for a "Make a Payment" or "Pay Now" button — the exact label varies slightly depending on when your account was created, but it is always on the main account page. You can pay the full balance, the minimum payment, or any amount in between. Choose your payment method (bank account or debit card), enter the amount, and select the date you want the payment to post. Comenity will show you a confirmation number when ready after you submit. Save or print this number in case you need to reference the payment later.

Online payments from a bank account post within one business day at no charge. Payments made with a debit card may carry a fee — Comenity charges a small percentage, usually around 2 to 3 percent, though this varies. The fee appears on your next statement if you choose to pay by debit card.

Paying by phone

You can call Comenity's payment line at the phone number on the back of your Big Lots credit card. Have your card number, account PIN (if you have set one up), and the amount you want to pay ready before you call. The automated system will walk you through the payment step by step and confirm the amount and posting date before you hang up.

Phone payments are processed the same day you call and post within one business day. You will receive a confirmation number at the end of the call — write it down when ready. If you prefer to speak with a representative instead of using the automated system, you can request that option, though wait times may be longer during business hours.

Paying by mail

If you prefer to mail a check, the payment address appears on your monthly statement in the section labeled "Payment Address" or "Make Checks Payable To." Write your account number on the check itself. Mail your payment at least seven to ten business days before your due date to may support it arrives and clears in time.

Mailed payments take five to seven business days to reach Comenity's processing center after they are deposited. If your check arrives after your due date, Comenity will assess a late fee even if you mailed it on time. For this reason, mailed payments are the riskiest option if you are close to your due date. Keep a copy of the check or note the check number in case you need to track the payment later.

Understanding your due date and avoiding late fees

Your due date is printed on your monthly statement and is also visible in your online account. Payments must post by 5 p.m. Eastern Time on that date to be considered on time. A payment that posts after 5 p.m. on the due date is treated as late, and Comenity will charge a late fee — typically $25 to $40 depending on your account history and the size of your balance.

Late payments also affect your credit score. Even one late payment can lower your score by 50 to 100 points and will remain on your credit report for seven years. If you miss a payment by more than 30 days, Comenity may report it to the credit bureaus and may also freeze your account, preventing you from making new purchases.

If you are concerned you will miss a due date, contact Comenity before the date arrives. Representatives can sometimes work with you on a payment plan or adjust your due date if you have a legitimate hardship. Calling ahead is far better than paying late — the conversation costs nothing, and a late fee costs $25 or more.

What happens after your payment posts

Once your payment posts to your account, Comenity applies it to your balance when ready. If you paid the full statement balance, your available credit is restored right away and you can use the card again. If you paid less than the full balance, the remaining amount carries over to your next statement and begins accruing interest at your card's APR (annual percentage rate).

Your next statement will show the payment you made, the date it posted, and your new balance. Keep your statements for at least one year in case you need to dispute a charge or verify a payment. You can view past statements in your online account under "Statements" or "Account History."

Frequently Asked Questions

What if I pay online but do not see the payment post right away?

Online payments take up to one business day to post. If you submitted the payment before 5 p.m. Eastern Time on a business day, it will post by the next business day. Check your account the following day; if it still has not posted, call Comenity with your confirmation number and they can look up the payment in their system.

Can I set up automatic payments so I do not have to remember my due date?

Yes. Log into your Comenity account, find the "Autopay" or "Automatic Payments" section, and choose the amount (minimum payment, full balance, or a fixed amount) and the date each month you want it to come out of your bank account. Autopay is free and removes the risk of forgetting a payment.

What if I cannot pay the full balance by my due date?

You can pay any amount, even if it is less than the full balance. However, the unpaid portion will accrue interest at your card's APR. Paying at least the minimum due by the due date keeps your account in good standing and prevents a late fee. The minimum is printed on your statement.

Is there a fee for paying online with my bank account?

No. Payments from a bank account through your Comenity account are free. Debit card payments carry a fee of around 2 to 3 percent of the amount paid. Phone and mail payments are also free.

What if I paid by mail and my check was lost?

Contact Comenity with the check number and the date you mailed it. They can search their records to see if it arrived. If it did not, you can stop payment on the check through your bank and submit a payment online or by phone instead. If the check did arrive but posted late, ask Comenity to review the late fee — they sometimes waive it if the postal delay was significant.