Apply for a Big Lots Credit Card
Big Lots is one of the best places to find just about anything for a bargain. But if you need some stuff right away and can't wait to save up, Big Lots has you covered by offering Big Lots credit cards for all of your in-store or online purchases. You can easily apply for a Big Lots credit card at your local Big Lots store. It's an added level of convenience that, when used responsibly, can come in quite handy.
Instructions
1. Locate your local Big Lots store either by looking it up in your phone book or by accessing an online search directory. Or, visit the Big Lots website and use the store locator.
2. Visit your local Big Lots store to ask an associate, store manager or other appropriate store employee for a Big Lots credit card application so you may look it over. Pay close attention to the credit card details such as the interest rate, whether or not the credit card carries an annual fee, and so on. If the Big Lots credit card is being offered to new users in association with a special, such as zero percent interest financing for one year, be sure this is reflected in the terms and conditions of the credit card and make note of when the introductory terms expire.
3. Fill out the Big Lots credit card application once you have read and agreed to the card's terms. Such applications usually require your basic information (name, address, phone number) and an estimate of your annual household income. The credit card limit amount you will be approved for will usually depend on factors such as your credit score, average household income and whether or not you are trying to open the line of credit in order to purchase items in the store at that time.
4. Give the application back to the appropriate employee so they may run a quick check to ensure you qualify for the line of credit. This usually only takes a few minutes. However, be prepared to wait just in case the store associate must make a phone call to the bank or banks that lend out the credit for Big Lots credit cards.
5. Begin using your Big Lots credit card for purchases, once approved. Or, save the card, use it sparingly and pay off the balance in full every month as a way of helping yourself build better credit.
Tips Warnings
Log on to BigLots.com before visiting the store to shop for merchandise and check out any specials, which sometimes include Big Lots credit card offers.
Just because the store is running a special on financing, such as zero percent interest on purchases or some other incentive, it doesn't mean you will qualify. Your credit score largely determines your qualification for such introductory incentives.
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