I’m no expert and I’m not pretending I am. This is Internet advice!!
Further, I have no experience with this safe – what experience I have had with safes might not be relevant.
Anyway a few guesses – please don’t take offense if I bring up anything that sounds stupid:
Just for info: normally, locks have about a one or two number window either way. So if the correct number is “50”, you should be able to dial “49” or “51” and still get it work.
Are you clearing the lock properly before dialing the combination? Normally this is turning the dial at least three full revolutions in only the direction you turn it to get to the first number. Each revolution clears and resets one of the combination tumblers. I’m assuming you’ve got three tumblers and your last combination number is a “0”.
Never pass a number even a little bit and then go back and pretend you didn’t, you can’t fool the lock. Don’t laugh; I’ve seen people do this!! If you pass any of the numbers, clear and start over.
Try turning very slowly and creeping up on the number. Locks (at least the good ones) have clutches (or brakes) on each tumbler to keep the tumbler from continuing to spin from inertia after you’ve stopped turning. These clutches use friction and can wear.
If you twist the dial vigorously, you can send the tumblers spinning a bit (sort of like a top, though that’s a exaggeration). Also, if the lock is worn or loose (or cheaply made), you might knock a tumbler that already lined up out of place. Be gentle!
Try dialing the number correctly, except dial one of the numbers off by 2, both higher and lower. Do this with the “0” also. You’ll need to dial the combination a total of eight times to do this. Write each combination variation down a piece of paper beforehand and check them off as you try them.
Can you see the back of the lock when the door is open? (Probably by removing an access panel and also possibly – but not likely - a small but very heavy plate directly behind the lock?) The lock’s manufacturer may be on the back of the lock.
Also, dial the combination with the door open and the access panel removed – make sure it’s the combination lock that’s the problem and not the locking mechanism itself.
While very unlikely in a low cost safe, if you see any smallish spring-loaded bolts in the mechanism that don’t seem to do anything, stay away from them; they’re relockers.
Frankly, if you bought this a BJ’s, it may not be worth all of the above trouble. Plus it may be just plain and simply defective!! Can you return it? If not, at least ask BJ’s how to contact the manufacturer.
Further, until you figure out the problem, open the safe and leave it open – cause some day it’s going to just not open, period.
If it’s open, a locksmith should be able to repair or replace the lock pretty easily (thought I doubt it’s worth the cost of a locksmith). If it’s locked shut with valuables inside, well – you get the picture.
Hopefully something here will help. Good luck!