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Belk MC approval with existing Belk card…

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L8pmts1
Member

Belk MC approval with existing Belk card…

Hi guys,

I've had a regular Belk card for nearly 3 yrs. with a $5000 limit.  While fooling around on my phone, I was checking preapproval for their MC. I unknowingly submitted a real application and luckily was approved. The temp limit is $3400.00. My question is, is this the actual limit for the Mastercard or will they make more credit available after I receive the card and activate it? It's synchrony, so I don't want to spook them with possible closure (I have nearly $60K with them on 6 cards)  but I will be closing the regular card once I know the actual limit for the MC. 

Any help is appreciated...

Message 1 of 11
10 REPLIES 10
youngandcreditwrthy
Senior Contributor

Re: Belk MC approval with existing Belk card…

Im scared to prequal for this card becuase then it starts to look like a real app and I dont want any hard pulls.

Congrats!!!!

 

Most syncb cards eventually grow into MC or Co branded general purpose cards usually after two years and continued credit building.

 

Congrats friend!

 

when you pre qualed, was it a hard hit and did you do it fromtheir website? like where they ask you about the debt cancellation insurance?

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 11
L8pmts1
Member

Re: Belk MC approval with existing Belk card…

youngandcreditwrthy - I somehow wound up on a different prequal site not Synchrony and it was a HP on Experian. Again, this was done on my phone and not my laptop. That's why I'm praying for a larger limit since I took the HP hit. I had been waiting to see if it would automatically convert to the MC version but this happened.  I wasn't sure if they were following Macy's lead by no longer upgrading to the MC/VISA/AMEX versions. Do you know if the temp credit limit is my true limit or not?

Message 3 of 11
Guyatthebeach
Valued Contributor

Re: Belk MC approval with existing Belk card…

@L8pmts1,

 

Congratulations on the Belk MC approval! My experience with Synchrony, the $3400 limit will be your limit, unless something changed with their account set up procedures.  Once the new card is set up, Customer solutions should be able to increase the CL on the MC to match or exceed your CL on the store card.


My Belk store card was upgraded to the Mastercard version after a couple of years. It's one of my most used cards.

 

Welcome to the forum and enjoy that card!


Guyatthebeach

 

 

Message 4 of 11
L8pmts1
Member

Re: Belk MC approval with existing Belk card…

@Guyatthebeach- thanks for your input. I'm wondering if there'll be another HP to see if they will increase it after activation..

Message 5 of 11
Guyatthebeach
Valued Contributor

Re: Belk MC approval with existing Belk card…

@L8pmts1,

 

Personally I would call customer service the moment that card gets added to your online banking profile.

 

Guyatthebeach

Message 6 of 11
L8pmts1
Member

Re: Belk MC approval with existing Belk card…

@Guyatthebeach- I called customer support and of course they weren't any help. I must have card activated to get the total credit limit. If its only the $3400 limit,  I'll probably close it. I've already taken the hit for the HP,  but my utilization wont increase much without it.

Message 7 of 11
youngandcreditwrthy
Senior Contributor

Re: Belk MC approval with existing Belk card…

@L8pmts1 

 

that sucks. Why not keep it? we know syncb's accounts grow pretty well. I once almost had a 100k with them and passed their little fraud check and got to keep my limits then voluntarily lowered them bit by bit as I rarely carried a balance on them except for the occassional 0% offering. The idea is that most risk is involved with the Mastercard, but it does seem to be a stinker of a card lol

 

When you get it, try getting a CLI online when activating. its usually a SP and pretty easy. Im sure you know! :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 11
cashorcharge
Community Leader
Super Contributor

Re: Belk MC approval with existing Belk card…

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Message 9 of 11
CreditAggie
Community Leader
Super Contributor

Re: Belk MC approval with existing Belk card…

Congratulations on your Belk MC approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (January 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

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