Are you searching for “Big Lots credit card customer service” in 2026, I’ve got some straight talk for you right up front. The Big Lots Credit Card — that store-only card many of us used for no-interest financing on furniture or home stuff — no longer exists. Big Lots filed for bankruptcy in late 2024, all original stores shut down or liquidated by early 2025, and every single card account was officially closed by February 2025. If you still have a balance, a dispute, or questions about your old account, Comenity Capital Bank (the issuer) is still handling support. The reopened Big Lots stores (about 219 locations under new ownership) don’t offer the card or any credit card service anymore. No in-store payments, no new applications, nothing.
I’ve helped plenty of families navigate store-card headaches over the years, and this one caught a lot of people off guard. In this updated 2026 guide, I’ll walk you through exactly where to get help, how to handle payments or issues, and what options you have now. Let’s get you sorted without the runaround.
What Was the Big Lots Credit Card?
Back when it was active, the Big Lots Credit Card was a closed-loop store card issued by Comenity Capital Bank (now part of Bread Financial). You could only use it at Big Lots locations and online. The main perk was special financing — like 6 months deferred interest on $250+ purchases or 12 months on $750+ — but watch out: if you didn’t pay it off in time, that deferred interest hit retroactively at a high rate (around 29.99% APR).
There were no ongoing rewards, cash back, or points. It was basically for big-ticket buys when you needed breathing room on payments. Who used it? Everyday shoppers grabbing mattresses, patio sets, or holiday décor on a budget.
That all changed with the bankruptcy. The partnership with Comenity ended, accounts closed, and the card program died with the old Big Lots. If you had a balance when stores closed, Comenity kept servicing it — you’re still responsible for paying what you owe.
Big Lots Credit Card Customer Service Options in 2026
Since there’s no active card anymore, support is strictly through Comenity for legacy accounts. Here are the only ways to get help right now:
Phone Support (Fastest Option)
Call 1-888-566-4353 (TDD/TTY: 1-888-819-1918).
Hours are typically Monday–Saturday, 8 a.m. to around 8 p.m. ET (exact end time can vary — call to confirm). Representatives can help with payments, billing disputes, fraud claims, or final payoff amounts.
Online Account Access
Log in at comenity.net/biglots or d.comenity.net/biglots. Even closed accounts often stay accessible for viewing statements, setting up EasyPay, or making one-time payments. You can also chat or message through the secure portal.
Mail
Send payments or correspondence to: biglotscustomercare@vwstores.com
Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003
Mobile App
No dedicated Big Lots app exists. Use the general Comenity or Bread Financial app (if you have other cards with them) or just the mobile website.
In-Store at Big Lots?
No. The reopened stores under new ownership do not handle any credit card support, payments, or inquiries for the old Big Lots Credit Card. They’re regular retail locations now — great for shopping deals, but zero help with your old account.
How to Find Big Lots Stores Near You (Even If They Can’t Help with the Card)?
Lots of folks still search “Big Lots near me” hoping for in-person help. Here’s the step-by-step:
- Go to biglots.com and click “Store Locator” (or Google “Big Lots near me”).
- Enter your ZIP code.
- The map will show the roughly 219 reopened stores (mostly in the South and Midwest — think Texas, Ohio, Georgia, North Carolina, etc.).
Real-life example: Say you’re in Dallas, Texas. Type in 75201 and you’ll see a few reopened locations. You can walk in for everyday shopping, but if you need to talk about your old credit card balance, the cashier will politely direct you to call 1-888-566-4353. Same story in Tennessee or anywhere else — the stores are back, but the credit card program isn’t.
What Services Were Available at Big Lots Stores (Before Closure)
Back in the day, you could:
- Make a payment at the register with cash, check, or debit.
- Apply for the card right in the store.
- Get basic billing questions answered by a manager (though serious issues always went to Comenity).
None of that works in 2026. If you walk into a reopened store and ask about the credit card, they’ll tell you the program ended with the bankruptcy. Save yourself the trip and call Comenity directly.
Common Customer Issues & How to Solve Them Now
Late Payment or Balance Owed
Set up EasyPay online or mail a check to the PO Box above. Call if you’re struggling — Comenity sometimes offers hardship plans for closed accounts.
Login Problems
Reset your password on the Comenity site. If you can’t access it, have your account number ready when you call.
Fraud or Unauthorized Charges
Call 1-888-566-4353 immediately. They can freeze the account (already closed but still) and investigate.
Credit Limit or Statement Questions
Everything is handled online or over the phone. No more store visits.
Disputes After Store Closure
If merchandise was defective or you returned something before closure, document it and call or mail the details.
Tips for Faster Customer Support
Best time to call: Tuesday–Thursday, mid-morning (9–11 a.m. ET) or early afternoon. Avoid Mondays and right after 5 p.m.
Have this ready: Your old account number (from any statement), Social Security number, and the last four digits of the card. It speeds everything up.
Online vs. phone: Try the website first for simple payments or statements. Pick up the phone for anything complicated a real person can usually fix it in one call.
Pro tip: If you have multiple Comenity cards (they issue tons of store cards), log into one account and see if your Big Lots history shows up.
Comparison with Other Active Store Credit Cards
Since the Big Lots option is gone, here’s how it stacked up against still-available alternatives:
| Card | Issuer | Best For | Special Financing | Ongoing Rewards | Still Active in 2026? |
| Big Lots (old) | Comenity | Big purchases | 6–12 months deferred | None | No |
| Walmart Credit Card | Capital One | Everyday shopping | 0% for 6–12 months | Some cash back | Yes |
| Target RedCard | Target | Frequent Target shoppers | 5% off + financing | Yes | Yes |
| Lowe’s Card | Lowe’s Card | Home improvement | 6–12 months special | Limited | Yes |
The new reality: Switch to one of these if you liked the financing perk. Walmart and Target are easier to manage and still have in-store support.
FAQ: Big Lots Credit Card Questions Answered for 2026
How do I contact Big Lots credit card customer service?
Call 1-888-566-4353 or log into comenity.net/biglots. No in-store or Big Lots corporate help anymore.
Can I still pay my bill in-store?
No. All payments must go online, by phone, or by mail to Comenity.
What bank issues the Big Lots credit card?
It was Comenity Capital Bank. They’re still handling closed accounts.
Where is the nearest Big Lots location?
Use biglots.com/store-locator or Google “Big Lots near me.” About 219 stores are open again, but they can’t help with the credit card.
What if I still have a balance after the stores closed?
You’re still legally responsible. Pay it through Comenity to avoid collections or credit damage.
Is there a new Big Lots credit card in 2026?
No. The new owners have not launched any store credit card program.
Will my old card work at the reopened stores?
No. The accounts are closed and the card is invalid.
Moving Forward Without the Big Lots Card
The Big Lots Credit Card customer service story in 2026 is mostly about closure — both literal and figurative. The bankruptcy wiped out the old program, but Comenity is still there to help you wrap up any loose ends. Pick up the phone at 1-888-566-4353, log into your account online, or mail your payment if that’s your style.If you’re shopping at the new Big Lots locations, enjoy the deals — they’re back and trying hard. Just skip the old credit card dreams and look at Walmart, Target, or your regular credit cards for financing instead. They’re more reliable and still fully supported.Got a balance or weird statement? Don’t wait — call today. Taking care of it now protects your credit score and gives you peace of mind. If you have other store cards or need help comparing options, feel free to reach out. I’m here to make this stuff less stressful.Stay smart with your money, friends. The stores may have reopened, but your old Big Lots credit card chapter is officially closed — handle it and move on to better options.