I initally received a $200 limit, requested an increase, was denied but then a few weeks later, they increased my limit suddenly to $1450. No complaints with the website. Easy to pay online. I check all my credit accounts at least every couple of weeks and try to pay off everything, try not to charge anything I cannot pay off in full. Love shopping at Belk. I applied online because I don't like applying in stores because if you don't get approved the salespeople get all long in the mouth.
Most Helpful Positive Review
Most Helpful Negative Review
I have made perfect payments on this and my other credit cards. I have an "excellent" credit score. I do not utilize this card a lot, so I'm assuming this is why they did this, but ***THEY ALSO DECREASED MY CREDIT LIMIT FOR NO REASON.*** This wasn't that big of a deal for my credit utilization, but I do not like that I was not told this was happening. I think that something that could hurt our credit score that much should have to be clearly communicated, but legally, it doesn't have to be (unless the decrease will put your limit under what you already owe and create issues that way). I just think it's sketchy, so I wouldn't recommend this card.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations