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The Big Lots credit card is a store-only retail card issued by Comenity Capital Bank that offers deferred-interest financing and rewards for Big Lots shoppers. Following Big Lots' 2024 bankruptcy and restructuring, the card is no longer accepting new applications in 2026, though existing cardholders can still make payments, manage accounts, and use rewards at reopened store locations.
Retail banks are for-profit and shareholder-owned; credit unions are not-for-profit and member-owned.
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