topic Re: Big Lots credit card in Credit Cards

Big Lots credit card

Panda-W — Sun, 17 Apr 2022 04:43:58 GMT

Hi. I prequalified for the Big Lots card yesterday and I was approved, but I haven't applied yet, because I don't want another hard pull at the moment.

Re: Big Lots credit card

OmarGB9 — Sun, 17 Apr 2022 05:25:20 GMT

Um, okay, well congrats on the pre-approval, but I'm not sure what the point of this thread was? Not trying to be rude or anything, but I just don't know if you're trying to ask something or...?

Re: Big Lots credit card

CYBERSAM — Sun, 17 Apr 2022 05:30:16 GMT

Is not that good of a card! So good on you for not excepting the offer!

Re: Big Lots credit card

SUPERSQUID — Sun, 17 Apr 2022 08:01:38 GMT

I had the big lots credit card for over a year. its a bare bones card with high interest. in my case it helped me rebuilding. if you shop at big lots and want discounts then join the big lots rewards club, its free to join and is totally seperate from the credit card. just for your info,

big lots gives 10 percent off at the checkout if you show a veteran id

capital one codes big lots as grocery

so if i buy anything at big lots i used my savor one to pay and show my vic - 13 pct

10 pct off at register

3 pct cash back from cap 1

Re: Big Lots credit card

folks19 — Sun, 17 Apr 2022 11:23:50 GMT

@OmarGB9 wrote:
Um, okay, well congrats on the pre-approval, but I'm not sure what the point of this thread was? Not trying to be rude or anything, but I just don't know if you're trying to ask something or...?

I believe @Panda-W is trying to ask whether there will be a hard pull for applying.

Re: Big Lots credit card

NRB525 — Sun, 17 Apr 2022 11:42:46 GMT

@Panda-W wrote:
Hi. I prequalified for the Big Lots card yesterday and I was approved, but I haven't applied yet, because I don't want another hard pull at the moment.

Did the pre-approval give you a credit limit and APR?

Re: Big Lots credit card

SUPERSQUID — Sun, 17 Apr 2022 12:16:20 GMT

@folks19 wrote:
@OmarGB9 wrote:
Um, okay, well congrats on the pre-approval, but I'm not sure what the point of this thread was? Not trying to be rude or anything, but I just don't know if you're trying to ask something or...?
I believe @Panda-W is trying to ask whether there will be a hard pull for applying.

Let me cut in here, yes its a hard pull when you app for the card.

Re: Big Lots credit card

Panda-W — Sun, 17 Apr 2022 15:18:45 GMT

Does Big Lots card have prequalif. ?

Re: Big Lots credit card

CloudyWeather1331 — Sun, 17 Apr 2022 16:27:29 GMT

I currently have the card. The card's financing is good, but the APR is a bit high.

Re: Big Lots credit card

SUPERSQUID — Sun, 17 Apr 2022 16:29:03 GMT

@Panda-W wrote:
Does Big Lots card have prequalif. ?

No, big lots by comenity does not have a prequalifier however i dont think its hard to get. i got a 750 sl less than a year after bankruptcy with low 600's scores.

Re: Big Lots credit card

FinStar — Sun, 17 Apr 2022 20:14:51 GMT

@Panda-W wrote:
Does Big Lots card have prequalif. ?

@Panda-W- I'm a bit confused. Your original post stated you pre-qualified for the Big Lots card, so can you clarify?

@Panda-W wrote:
Hi. I prequalified for the Big Lots card yesterday and I was approved, but I haven't applied yet, because I don't want another hard pull at the moment.

Re: Big Lots credit card

SUPERSQUID — Sun, 17 Apr 2022 21:17:32 GMT

@FinStar wrote:
@Panda-W wrote:
Does Big Lots card have prequalif. ?
@Panda-W- I'm a bit confused. Your original post stated you pre-qualified for the Big Lots card, so can you clarify?

@Panda-W wrote:
Hi. I prequalified for the Big Lots card yesterday and I was approved, but I haven't applied yet, because I don't want another hard pull at the moment.

when i originally got my big lots card in the fall of 2020 there was no prequalifier, maybe they changed?

i closed the card several months ago

Re: Big Lots credit card

Panda-W — Mon, 18 Apr 2022 01:48:30 GMT

I used a prequalification tool that I found, but it is not public. Maybe it's fake.

Re: Big Lots credit card

FinStar — Mon, 18 Apr 2022 02:31:23 GMT

@Panda-W wrote:
I used a prequalification tool that I found, but it is not public. Maybe it's fake.

Ok, so are you saying the "pre-qualification" you mentioned in your original post was not done through Big Lots or the Comenity website? Where did you get pre-qualified then?

By and large, I don't think there's any DPs on Big Lots having a SCT let alone any SP approvals.

Re: Big Lots credit card

Panda-W — Mon, 18 Apr 2022 02:37:52 GMT

I found it on reddit.com (r/CreditCardChart)

Re: Big Lots credit card

Remedios — Mon, 18 Apr 2022 03:04:05 GMT

@Panda-W wrote:
I found it on reddit.com (r/CreditCardChart)

Would you mind finding it again?

Re: Big Lots credit card

CloudyWeather1331 — Mon, 18 Apr 2022 03:09:03 GMT

@Remedios Found it myself, I'm not sure, seems real.

reddit link

Re: Big Lots credit card

Remedios — Mon, 18 Apr 2022 03:12:22 GMT

@CloudyWeather1331 thank you

I wouldn't mess with it unless one can ascertain it's legit link 🤷‍♀️

Re: Big Lots credit card

Panda-W — Mon, 18 Apr 2022 03:49:38 GMT

https://d.comenity.net/biglots/pub/prequalify/Prequalify.xhtml

Re: Big Lots credit card

jkjklkjkl — Thu, 28 Apr 2022 16:17:56 GMT

As a data point:

*I am subscribed to Big Lots emails and have a general website account

*I've made one purchase online, while signed in to my account

Recently, I received an email titled:

Your EXCLUSIVE offer is waiting!

The email said that I was pre-approved for the card and had a prescreen number.

My scores are sub 600, at least on Experian.

I was approved, with a limit of $250, no hard pull was triggered, and the credit line could immediately be used online.