Big Lots credit card

Panda-W · ‎04-16-2022

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.

OmarGB9 · ‎04-16-2022

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...?

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

CYBERSAM · ‎04-16-2022

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

SUPERSQUID · ‎04-17-2022

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

folks19 · ‎04-17-2022

@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.

NRB525 · ‎04-17-2022

@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?

SUPERSQUID · ‎04-17-2022

@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.

Panda-W · ‎04-17-2022

Does Big Lots card have prequalif. ?

CloudyWeather1331 · ‎04-17-2022

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

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SUPERSQUID · ‎04-17-2022

@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.