In addition to your credit score, there are other factors that could impact your chances of approval. Some other key criteria include your debt-to-income ratio, payment history, and recent hard inquiries.
What to Know Before Getting the Belk Credit Card
When you apply for the Belk Credit Card, you will also be considered for the Belk Store Card. Which card you’ll get depends on your credit score, among several other factors. The Belk Store Card requires fair credit or better (a credit score of 640+) for approval.
You should also keep in mind that unlike the Belk Credit Card, which can be used anywhere Mastercard is accepted, the Belk Store Card will be restricted to Belk stores.
You can apply for the Belk Credit Card either online or at a Belk store location. At the moment, there is no way to apply for the Belk Credit Card over the phone. Just keep in mind that when applying for the Belk Credit Card, you are also considered for the Belk Store Card. Which card you’ll get depends on your credit score and several other factors.
Here's how to apply for the Belk Credit Card:
Online: To apply online, visit the Belk Credit Card’s...
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.
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Belk Store Card and Belk Credit Card
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.