I would like to fill out a Big Lots credit card application, but I don't know if I qualify for the card. Can you give me an idea of what they are looking for? Will they be running a background check on me?

Answered on August 12, 2016
Updated on August 12, 2016
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
If you've never applied for a credit card, it's understandable that you might be nervous about the process. But don't worry. It's really very straightforward. You'll want to gather up your personal information in order to fill out the application – things like your home address and mailing address, your social security number, your annual income, your phone number, your date of birth, and your preferred contact information. You might also need to list the other members of your household, such as a spouse. But this is not for a background check, exactly. They will run a credit check to see what your credit score is, and whether your credit is good enough to qualify for the card. For this type of card, the requirements aren't usually very stringent, so you have a good chance of being approved.
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Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.