The Belk Rewards Credit Card credit score requirement is 700, at a minimum. That means you need good credit or better for approval. Keep in mind that when applying for the Belk Rewards Credit Card, you will also be considered for the Belk Store Card. Once your application is reviewed, you will receive offers based on your creditworthiness. The Belk Store Card requires a credit score of 640, at a minimum. That means you need fair credit or better to be approved, which is quite common for store credit cards.
In addition to your credit score, other factors such as your income, debt, payment history and recent hard inquiries will also matter. Remember that if you don't qualify for the Belk Rewards Credit Card, you might still have a shot at the Belk Store Card. But unlike the Belk Rewards Credit Card, which can be used anywhere Mastercard is accepted, the Belk Store Card will be restricted to Belk stores.
So make sure you meet the credit score requirements first and if that's the case, give it a go! If you don't know where you stand, you can check your credit score for free, right here on WalletHub.
You can apply for a Belk Credit Card online or in a Belk store location. Applying online is the easiest way. Just visit the Belk Credit Card website and enter your personal information, including Social Security number, phone number, name, and postal address. After you submit your application, you should get a decision instantly.… read full answer
To apply for a Belk Credit Card in person, go to your nearest Belk location and ask your cashier about applying for the Belk Credit Card. In most cases, they’ll be able to give you a decision immediately. If approved, you can use the credit line the same day.
It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit. Please find a list of cards offered by Synchrony Bank here: https://wallethub.com/credit-cards/synchrony-13003490i/.
The Belk Credit Card approval decisions are usually issued immediately. However, in rather rare cases, it can take up to 4 weeks to get a decision. If 4 weeks have passed since submitting your application, please call the issuer, Synchrony Bank, at 800-530-6886.
You will receive your full credit card number and credit line by regular mail 7-10 business days after your account is approved.… read full answer
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