topic Re: Belk in Credit Cards

Belk

Kenniebee — Fri, 12 Sep 2008 05:25:40 GMT

How difficult is it to get a Belk credit card in NC? Does anyone know what CB they pull and what the minimum score and income is that they require? I have no bankruptcies, but plenty of medical charge offs due to a lifelong disease. Thanks!

Re: Belk

adamseve — Fri, 12 Sep 2008 23:56:33 GMT

Kenniebee wrote:
How difficult is it to get a Belk credit card in NC? Does anyone know what CB they pull and what the minimum score and income is that they require? I have no bankruptcies, but plenty of medical charge offs due to a lifelong disease. Thanks!

I'm in SC and got a Belk card with a 511 EQ score about 2 months ago with a $500 CL. Hope this help. JC Penney gave me a $1000 CL with the same EQ score around the same time. Go figure!

Re: Belk

Kenniebee — Sat, 13 Sep 2008 02:42:05 GMT

Thanks for the reply. I did apply online and got a message that I would be contacted with a decision via my email address (if I included one on the online application) or via USPS if I didn't. I am assuming that means a denial. : ( Maybe I should move to SC. lolol

Re: Belk

Kenniebee — Sun, 14 Sep 2008 04:38:00 GMT

Oh, the message I received did say I would be contacted in 4-5 days rather than the dreaded 7-10. Don't know if that makes any difference or not. Do companies even do instant denials online anymore or do they all just say they will respond in 7-10 (or 4-5) days?

Re: Belk

Anonymous — Sun, 14 Sep 2008 05:44:50 GMT

I know nothing about this company- but just about everyone is doing manual reviews now a days.

Re: Belk

Anonymous — Fri, 19 Sep 2008 23:53:11 GMT

FYI...Belk is a department store like similar to Dillard's or Macy's. Their credit cards are issued through GE Money Bank (GEMB); so are JC Penney's. They are pretty lenient, I still have a couple COs and a dismissed ch13 on my TU and EQ. I did get approved for $500 CL once my identity was confirmed. Scores on the bottom. Wish I could get a JC Penney. Only up from here! BTW...I live in TN, I know they checked my EQ, not sure about others. I have a fraud alert on my EX.

Message Edited by lessons_learned on 09-19-2008 04:53 PM

Re: Belk

adamseve — Sat, 20 Sep 2008 02:37:31 GMT

Kenniebee wrote:
Thanks for the reply. I did apply online and got a message that I would be contacted with a decision via my email address (if I included one on the online application) or via USPS if I didn't. I am assuming that means a denial. : ( Maybe I should move to SC. lolol

You should probably call their credit dept to find out the status. Here's the number: 800-669-6550.

Re: Belk

Anonymous — Tue, 30 Jun 2009 19:03:36 GMT

I just got approved for a $250 CL for Belk and I owed GEMB $700 through Dillard's and Wal-Mart 8 years ago. Not hard at all.

Re: Belk

GomerPyle — Wed, 01 Jul 2009 02:13:07 GMT

I have a $6,000 CL Belk credit card. It really is a good card. Do not ever carry a balance because the interest rates are very high.The rewards on this card amount to 2.5% so I will use this card when shopping at Belk as opposed to another rewards card. I do always pay in full.

Re: Belk

Anonymous — Sat, 14 Nov 2009 20:14:37 GMT

I was skeptical at what I would find in Belk, but they have really good deals on Fridays and Saturdays. Plus, this week I looked at my statement and I had a $250 CLI and I didn't even ask. Yay, me! I got a $125 leather jacket for $51 yesterday after using a 15% off certificate and the sale price. I'm paying that off so I don't pay interest on that keeper.