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Introduction
If you’re looking to make some big purchases and want to save money, you may be considering a Big Lots credit card. Big Lots offers a variety of credit cards with different rewards and benefits, so it’s important to understand what credit score you need to qualify for one. In this blog post, we’ll discuss the credit score you need to get a Big Lots credit card, what types of credit cards they offer, and how to apply. We’ll also cover some tips for improving your credit score and managing your credit card responsibly.
What Credit Score Do You Need for a Big Lots Credit Card?
The credit score you need to qualify for a Big Lots credit card depends on the type of card you’re applying for. Generally, you’ll need a score of at least 650 to be approved for a Big Lots credit card. This is a good starting point, but if you have a higher score, you may be able to qualify for a better card with more rewards and benefits.
Types of Big Lots Credit Cards
Big Lots offers several different types of credit cards. The most popular is the Big Lots Rewards Mastercard, which offers rewards points on purchases at Big Lots stores. You’ll earn 5 points per dollar spent, and you can redeem your points for discounts on future purchases. The card also offers a 0% introductory APR on purchases for the first 6 months.
The Big Lots Store Card is another popular option. This card offers discounts on purchases at Big Lots stores, but you won’t earn any rewards points. The card also offers a 0% introductory APR on purchases for the first 6 months.
How to Apply
Applying for a Big Lots credit card is easy. You can apply online or in person at a Big Lots store. To apply online, simply fill out the application form and submit it. You’ll need to provide your name, address, Social Security number, and other information. Once you submit your application, you’ll receive a response within minutes.
If you’re applying in person, you’ll need to fill out an application form at the store. You’ll need to provide your name, address, Social Security number, and other information. The store will then process your application and provide you with a response.
Tips for Improving Your Credit Score
If your credit score isn’t quite high enough to qualify for a Big Lots credit card, there are some things you can do to improve your score. Start by checking your credit report and making sure there are no errors. If there are any mistakes, contact the credit bureau and have them corrected.
You should also pay your bills on time each month. Late payments can have a negative impact on your score, so make sure to pay all of your bills on time. Finally, try to keep your credit utilization rate low. This means that you should only use a small portion of your available credit.
Managing Your Credit Card Responsibly
Once you’ve been approved for a Big Lots credit card, it’s important to use it responsibly. This means paying your balance in full each month, not using more than 30% of your available credit, and only using the card for necessary purchases. If you can do this, you’ll be able to save money and build your credit score.
Conclusion
Getting a Big Lots credit card can be a great way to save money and earn rewards. To qualify, you’ll need a credit score of at least 650. Big Lots offers several different types of credit cards, so you can find the one that best suits your needs. To improve your chances of approval, make sure to check your credit report and keep your credit utilization rate low. Finally, make sure to use your credit card responsibly by paying your balance in full each month and only using it for necessary purchases.
