belk rewards credit card

[Anonymous]

Yesterday I received a pre-approved offer for the Belk Rewards Card....  any info ?, aproval rate-requirements-credit score??

[Anomalous]

 It's issued by Synchrony Bank. I had one years ago and loved it. My scores were in the upper 600 lower 700 range at the time. If there is a Belk close by and you shop there a lot I say go for it! The rewards are worth having it.

[Creditaddict]

If it's pre-approved it's basically approved just agree to the terms (no hp either!)

[lownav67]

If you regularly shop at Belk, the rewards are worth getting the card.

Standard reward accrual is 1 point per $1 spent - with a $10 reward at 400 points (2.5% back)

However, there are numerous special events per year where Belk rewards are 2X for regular card members and 3X if you get to elite (spend $1500 year).

This effectively means you can get around 5% (7.5% for elite) back in rewards if you plan accordingly.

This is not a card you want to keep a balance on, however, as I believe there is just one standard interest rate tier at around 24%.

Scores in mid 600s should likely be approved with a starting credit line around $500-$1000, but like other Synchrony store cards regular credit line increases every 4-6 months are the norm.

I think I started at $600 or $700 initially and have never requested an increase, but limit has been auto-raised multiple times to $3500 now.

[Anonymous]

my TU credit score is 636 right now, I just got turn down by barclays reward credit card, I just want to keep improving my credit score, Would it be a good move to aplly ?

[Creditaddict]

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@Anonymous wrote:

my TU credit score is 636 right now, I just got turn down by barclays reward credit card, I just want to keep improving my credit score, Would it be a good move to aplly ?

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yes

[Anonymous]

do you think i'll get approved for it ?, i dont want to waste l a hp and dont get approve for it, btw today I  apply for a braclays rewards credit card and I was aproved for aa cc with 1500$ credit limit, I did request a bank of america cli too!

[Anonymous]

I dont regurlaly shop there, I just want to improve my credit, should I apply for it?

[Creditaddict]

if you are never going to use it then no it's not worth it but if you will use it then Id take it since they are offering it to you.

I would close your first premier now also.