Store credit cards like the Big Lots are usually good for those with average credit, meaning your credit score should be above 600. But it does not mean you won’t be able to qualify for this card while your credit is bad. However, even if you are approved, you may not get high credit limit and that means you may max out your credit card easily. This may cause your credit score drop. If you are sure you will be using the Big Lots credit card moderately and preferably paying off the card balance in full each month (you won’t want to carry the balance with nearly 30% APR), then you can give this card a try.