Big Lots Credit Card
Big lots is a fortune 500 retail corporation that was founded in 1967. Today, Big Lots has over 1400 stores nationwide and hundreds of products to choose from. You can find a wide variety of furniture selections for living rooms, bed rooms, dining rooms, and so forth. The company provides both furniture and every day household needs at discounted prices.
Big Lots also has electronics, toys for all ages, beauty & hygiene, health & wellness, baby products, holiday decor, tailgating supplies and so much more. Today they are the country’s largest retailer selling close outs, which enables this discount store to keep their prices low.
Big Lots has over 45 years of experience in customer service and top of the line products to stand behind it, it’s no wonder Big Lots offers an outstanding credit card with a great reward system to help customers get the products they need.
The Big Lots credit card has no annual fee which means more of your hard earned money can go to what really matters. The card is issued and serviced by Capital One and can be used at retailers around the world. Through Capital One cardholders have access to your account online through any home or mobile device, wherever an internet source is provided. This adds an additional level of convenience in account management.
You can view purchases, make payments, see balances and other account services all from the convenience of your home. The card offers zero liability against fraudulent purchases and cardholders are not responsible for any purchases which they did not authorize. The Big Lots credit card also offers the ability to obtain additional cards for authorized users.
Features of the Big Lots Card
Other important features include no balance transfer fees, no cash advance fees, and no foreign transaction fees. Lack of foreign transaction fees means whenever you decide to take a vacation, or travel internationally, you won’t be fees in addition to the conversion rate. This can save customers up to 3% of every transaction.
Big Lots has over 1400 stores nationwide, for purchases made in the store there are additional benefits. The Big Lots credit card provides a customer service line, of professionals who can answer questions and provide account services. The credit card offers 12 month same as cash promotions. These promotions provide interest free financing for all purchases over a specific threshold. If these purchases are paid off within 12 months the customer will not be charged any interest.
If the balance is not paid in full at the end of the promotional period then interest will accrue from the initial date of purchase and there will be no benefit to the promotion. It is also important to understand that if you make an interest free purchase and then make additional purchases that are charged interest, then payments will be credited towards the higher interest amounts first. This can make paying off the promotional amount before the end of the period tricky.
You automatically become a “Buzz Club” member. As a buzz club member you receive emails with weekly ads, get access to store wide discounts, get additional discounts and coupons, and get a price match guarantee for all products. The price match guarantee provides customers who find a lower price at another retailer at a lower sales price, with the same price at Big Lots stores. It must be the same item and brand and must be advertised in order to receive the match. Close outs and discontinued items are not subject to the price match guarantee.
Being a Big Lots credit card holder and “Buzz Club member” also offers the unique feature of the “Receipt look-Up.” This feature gives customers the ability to look up any purchase that has been made in the last 30 days. It is also possible to make a copy of any receipt within the last 30 days. You are also entitled to the 2 day advantage which means you get access to print ads 2 days sooner.
Fees to Be Aware Of
Big lots cards charge fees for benefits many other cards do not. These include a fee for obtaining a replacement card, a fee for making a payment over the phone and a fee for getting an additional statement. These transactions and activities can be completed online with no fee, but using the telephone assistance can trigger a fee. It is important to ask about fees and ways to avoid the fees before completing the transaction.