Big Lots Credit Cards

Big Lots is one of the nation’s largest broadline closeout retailers.  Their products are the same brand name products you find at other retail stores, but you get them at substantially lower prices.  Big Lots is very good at finding and negotiating deals on the items they carry, which saves you on average about 20% to 40% less than shopping at discount stores and about 70% less thanshopping at conventional retail stores.  You can find just about anything at Big Lots:  Items for your kitchen, bathrooms, and bedrooms, appliances, tools, office/school supplies, baby supplies and toys, food, and personal care items.  You can also purchase furniture at Big Lots.  They offer high quality beds, dressers, couches, chairs, coffee table, end tables, and other types of furniture.  With so many great deals found at Big Lots, a consumer may be interested in getting a credit card with Big Lots.

There are several advantages of getting a Big Lots credit card.  First, it offers a way to make your purchase more affordable, because it allows you break up the cost into lower monthly payments.  They are also convenient because the credit card can be used both in the store and on Big Lots website.  The credit card also offers financing deals such a zero percent financing, which can save you money. 

To apply for the credit card, you have to get an application form from a store.  Be sure to read the information, such as the APR (Annual Percentage Rate) terms, conditions and privacy policy.  If you applying for the card to purchase a large item like a bed or couch and they are offering a financing special, be sure to read the terms and conditions of the special and be aware of the expiration date.  If you agree with the terms and conditions, proceed to complete the credit application.  The amount you are approved for will be based on your credit history, income, and the price of the item you are trying to purchase.

Another advantage of the Big Lots card is that it is actually issued by HSBC Retail Services.  This company issues many department store credit cards and is a reputable company.  They will send you a monthly statement so you can stay on top of your balance and finance charges.  You can also sign up for e-statements, where they email you your statement, saving paper and the economy.  You can pay your bill by mail.  The mailing address is HSBC Retail Services, PO Box 60107, City of Industry, CA.  91716.  You can also pay on the HSBC webiste

The Big Lots credit card is a good deal for both Big Lots and the consumer.  It allows Big Lots to stay competitive with other retailers and it offers the consumer options and convenience.  As long as you are aware to and agree the terms and conditions prior to using the card, you should not have any negative experiences with the card.