Belk® Rewards Credit Card Reviews

Approval Odds

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2.3 out of 5 stars
7 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

3.5 out of 5 stars

2.5 5

These reviews were written by current and former cardholders in the last year.

Nov 10, 2017
Decreased limit for no reason
Anonymous Cardholder

I have made my monthly payments on time each month. I haven't used the card in months and they decreased my limit by 200.00. I don't understand why since I have made all payments in a timely manner. I think I will cancel this card since they are probably damaging my credit by doing so. 

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Oct 25, 2017
Don't Get This Card
scat31 Cardholder

I have had the Belk credit card for several years. I have never had a missed or late payment. In fact, I have always made higher than the minimum payment. I have had a zero balance for about a year. I was just notified by Experian that my credit score went down a couple of points, because Belk lowered my credit limit from $1,300 to $1,024 for no reason! What if I had had a balance of, say, $1,200? Would I have been assessed an over limit fee? Why would a company that I have had only a positive payment history with do something to harm my credit rating? This card is through Synchrony Bank, by the way, as are many department store cards.

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Aug 11, 2017
Anonymous Cardholder

Tried paying my bill online @ 10:51 pm 8/11/17...(forgot to pay @ work all day), bill due 8/11/17... when trying to process, it's saying I have to enter another date (promoting me to set date to 8/12/17 which a late fee of 25.00).  Would not let me process at all, not even on the phone. Guess what @ 12:00 am, it let me make a payment which now I have to pay a late fee of $25.00. 

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Jun 30, 2017
Credit limit reduction
Phreddy305 Cardholder

I am the card with a $500 limit, after getting it I purchased about $80 worth of clothes and paid without using the card anymore. A few months later around Christmas I got &200 worth of stuff and a few days later I got a letter saying my limit was reduced to $210 leaving about a few dollars available. Six months later going online to pay my limit was reduced to $100. I just printed out the statement, sent a check for the balance along with the card 

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May 26, 2017
Limit Decreasers !!!
rgray67 Cardholder

I have had this card for over 2 years. I started out with a $300.00 limit,  within a few months it was increased more than triple. So, since I haven't used the card in a while I log on today to only find my limit has been decreased by $800.00. No warning. Shady practices if you ask me !!!

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Jan 27, 2017
drea0909 Cardholder

When you ask for a credit increase do they pull your credit again. Just curious. Drea67

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Dec 14, 2016
Belk credit card is disappointing
xanloglon Cardholder

Around the holidays for two years in a row, they have decreased my credit line without telling me, without even missing a payment.  I have auto pay set up to pay every month.  

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Belk® Rewards Credit Card