Big Lots Bill Pay: Fast Online & Phone Options

Managing your retail store cards should never be a headache, but figuring out where and how to send your monthly payment can sometimes cause unnecessary confusion. If you are looking to complete your biglots bill pay transaction quickly, you have multiple convenient routes available, whether you prefer paying online, over the phone, or through the mail. Because the Big Lots Credit Card is issued by Comenity Capital Bank, your payments are handled directly through Comenity’s secure processing systems rather than inside Big Lots retail stores.

This comprehensive guide walks you through every available payment channel, highlights important payment cut-off times, and clarifies the crucial distinction between the Big Lots Credit Card and Progressive Leasing contracts.

Step-by-Step Options for Biglots Bill Pay Online

Online payment is the fastest, most reliable method to ensure your funds post on time without incurring unexpected fees. Comenity Capital Bank provides two distinct online payment pathways: using a registered Account Center profile or utilizing the quick-pay feature known as Comenity's EasyPay.

1. Paying Through the Comenity Account Center

If you prefer tracking statements, viewing transaction history, and managing recurring transfers, logging into your dedicated account portal is the best approach.

1. Navigate to the official Big Lots Credit Card Account Center hosted by Comenity Capital Bank.
2. Enter your username and password to log in. (If you have not registered your card yet, click "Register for Access" and verify your account details using your card number, ZIP code, and the last four digits of your Social Security Number).
3. Once on your dashboard, locate and select the Payments tab.
4. Enter your checking or savings account details, including the routing number and account number.
5. Select your payment amount: the minimum due, full statement balance, current balance, or a custom amount.
6. Choose your payment date and submit the transaction. Save or screenshot the confirmation number for your records.

2. Using Comenity EasyPay (No Log-In Required)

If your due date is today and you cannot remember your password, Comenity’s EasyPay tool offers a hassle-free alternative that does not require an existing username or password:

• Visit the Big Lots Credit Card Account Center homepage and click on the Comenity’s EasyPay banner at the top of the screen.
• Enter the requested identifying information: your credit card account number, your billing ZIP code, and the last four digits of your Social Security Number (or Government ID).
• Click Find My Account.
• Review your balance and input your valid checking account and bank routing numbers.
• Confirm the payment details and submit.

Alternative Payment Methods: Phone, Mail, and In-Store

While digital portals are popular, cardholders who prefer manual or offline methods still have practical alternatives.

Pay by Phone

You can complete your payment over the phone using Comenity’s automated voice response system. Have your Big Lots credit card number and your bank account routing details ready before calling.

• Customer Care Number: 1-888-566-4353 (TDD/TTY: 1-888-819-1918)
• Follow the voice prompts to enter your account information and authorize an electronic funds transfer from your checking or savings account.
• Note: Using the automated phone system is free. However, if you request an expedited payment processed directly through a live customer care representative, an administrative processing fee may apply.

Pay by Mail

If you prefer paying with a physical check or money order, you can mail your payment directly to the processing center. Always send your payment at least five to seven business days before the due date to account for postal delays.

Make your check payable to Big Lots Credit Card / Comenity Capital Bank, write your card number clearly in the memo field, and send it with your statement payment coupon to:

Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003

Never mail cash. Mailing cash is non-traceable and puts your funds at extreme risk if lost or stolen in transit.

Can You Pay Your Bill In a Big Lots Store?

A common point of confusion among shoppers is whether cashiers can process credit payments at the register. No, Big Lots retail stores cannot accept credit card bill payments. Cashiers and customer service desk associates do not have access to Comenity Capital Bank’s proprietary banking systems. You must direct all payments through Comenity’s digital, telephone, or mail channels.

Big Lots Credit Card vs. Progressive Leasing: Don't Pay the Wrong Entity

Big Lots provides two distinct financing solutions: the Big Lots Credit Card (revolving credit through Comenity Capital Bank) and the "Easy Signs" lease-to-own program (administered through Progressive Leasing). Sending funds to the wrong institution can lead to accidental delinquency.

Feature	Big Lots Credit Card	Progressive Leasing
Servicer	Comenity Capital Bank	Progressive Leasing
Account Type	Revolving credit card	Lease-to-own agreement
Billing Management	Comenity Account Center or EasyPay	Progressive Leasing portal or app
Support Contact	1-888-566-4353	1-877-898-1970

If your purchase was financed through Progressive Leasing, your payments are automatically deducted based on your initial agreement terms, or managed directly through the Progressive Leasing mobile app, not through Comenity Bank.

How to Avoid Late Fees and Manage Due Dates

Failing to pay your balance on time can trigger late payment fees up to $41 and negatively affect your credit score if the delinquency spans 30 days or more. To keep your account in good standing, keep these core guidelines in mind:

• Watch the Cut-Off Time: Comenity typically mandates that online and phone payments be submitted by 8:00 PM Eastern Time on your scheduled due date to be credited for that day. Any payment made after that cut-off will post on the following business day.
• Set Up Automatic Payments: Within the Comenity Account Center, enroll in Autopay. You can instruct the system to pull either the minimum payment, the full balance, or a fixed dollar amount automatically every month from your linked checking account.
• Debit Cards vs. Checking Accounts: Online payments through the portal must be linked directly to a checking or savings account (routing and account numbers). Comenity does not allow you to pay your credit card balance using a secondary credit card or standard debit card over the self-service web portal.
• Track Your Payment Status: Always log back in a couple of days after submitting an online transfer to confirm the status shows as "Posted" rather than "Pending."

Final Thoughts

Staying on top of your retail store account is straightforward once you know where to go. For the fastest turnaround, use Comenity EasyPay or log into your online Account Center to schedule your payment before 8:00 PM Eastern on your due date. By utilizing automated payments and steering clear of common pitfalls, you can protect your credit score, avoid penalty fees, and keep your account in pristine condition.