Big Lots Credit Card Customer Service Phone Number

The main customer service line for Big Lots Credit Card is 1-866-246-6385. This number handles account questions, payment issues, fraud reports, and general card inquiries. The line is available Monday through Friday, 8 a.m. to 10 p.m. Eastern Time, and Saturday and Sunday, 10 a.m. to 7 p.m. Eastern Time.

When you call, have your card number and account information ready. The automated system will route you based on your reason for calling — you can select options for payments, rewards, fraud, or other account services. If you reach a representative, they can typically resolve most issues during that call or direct you to the right department.

Big Lots Credit Card is issued by Comenity Capital Bank, so some calls may route to Comenity's systems depending on the nature of your inquiry. The phone number above is the primary contact point for cardholders, but if you are transferred, you may hear Comenity's name in the system prompts.

Key Takeaways

  • Call 1-866-246-6385 for Big Lots Credit Card customer service during business hours Monday through Friday, 8 a.m. to 10 p.m. ET, or Saturday and Sunday, 10 a.m. to 7 p.m. ET.
  • Have your card number and account details available before calling to speed up the process.
  • The automated system lets you select your issue type — payments, rewards, fraud, or general questions — before speaking to a representative.
  • Big Lots Credit Card is managed by Comenity Capital Bank, so some routing or system names may reflect that issuer.

What to Do Before You Call

Gather your card number, the last four digits of your Social Security number, and any recent statements or transaction details related to your question. If you are calling about a specific charge, have the date and amount ready. This information helps the representative pull up your account quickly and reduces hold time.

If your issue is time-sensitive — such as a fraudulent charge or a payment that needs to post before a due date — mention that when the automated system asks for your reason. Fraud and payment-related calls often move faster than general inquiries. Writing down the key details of your question beforehand also helps you stay focused during the call and ensures you cover everything you need to address.

Alternative Ways to Reach Big Lots Credit Card

Beyond the phone line, you can manage your Big Lots Credit Card account online through the cardholder portal. Log in with your username and password to view your balance, make payments, update contact information, and review your rewards balance. Many routine tasks — like making a payment or checking your statement — are faster online than calling.

For written inquiries, you can also mail correspondence to the address listed on your monthly statement. Mailed requests typically take longer to process than phone calls, so use this method only for non-urgent matters or when you need a written record. The online portal is available 24/7, making it the fastest option for most account management needs.

Common Reasons to Call Big Lots Credit Card

Cardholders typically call to report a lost or stolen card, dispute a charge, ask about their rewards balance or redemption options, make a payment arrangement, or update their account information. You can also call to ask about your credit limit, request a limit increase, or report a change of address.

If you are having trouble logging into your online account or resetting your password, the customer service line can help you regain access. Representatives can also explain how your rewards program works and what redemption options are available to you. Some cardholders call to confirm that a recent payment has been received or to ask about the timing of when a payment will post to their account.

What Happens If You Call Outside Business Hours

If you call outside the hours listed above, you will reach an automated system that can handle some basic requests — such as making a payment by phone or checking your balance. The system will also give you the option to leave a callback request, and a representative will contact you during the next business day.

For urgent matters like fraud, some issuers maintain 24/7 fraud lines. When you reach the automated system, listen for an option to report fraud or unauthorized charges, which may connect you to a different line that operates around the clock. If you cannot reach a fraud specialist when ready, document the unauthorized transaction and the time you reported it for your records.

Frequently Asked Questions

What is the Big Lots Credit Card phone number?

The main number is 1-866-246-6385. Hours are Monday through Friday, 8 a.m. to 10 p.m. ET, and Saturday and Sunday, 10 a.m. to 7 p.m. ET. Have your card number ready when you call.

Can I make a payment by phone?

Yes. You can make a payment through the automated system 24/7, or speak to a representative during business hours. You will need your account number and a bank account or debit card to process the payment over the phone.

How long does it take to speak to a representative?

Wait times vary depending on call volume. Calling early in the morning or mid-week typically means shorter waits. If the line is busy, you can request a callback and a representative will contact you during business hours.

What if I need to report fraud?

Call 1-866-246-6385 and select the fraud option from the automated menu. Some issuers offer 24/7 fraud lines; listen for that option if you are calling outside regular hours. Have details of the unauthorized charge ready.

Can I manage my account online instead of calling?

Yes. Log into your cardholder account online to view your balance, make payments, check rewards, and update your information. Many tasks are faster online than calling, and you can do it anytime.