Bogdan Roberts, Credit Cards Moderator
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The Belk 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 Credit Card, you will also be considered for the Belk Store Card. Which card you’ll get depends on your credit score and several other factors. The Belk Store Card requires fair credit or better (a credit score of 640+) for approval.
Here’s what you should know before applying for the Belk Credit Card:
- When applying for the Belk 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. If you have lower credit, you’re more likely to be eligible for the Belk Store Card.
- Unlike the Belk Credit Card, which can be used anywhere Mastercard is accepted, the Belk Store Card will be restricted to Belk stores.
- 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.
So, make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.
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