Do you want to learn how to get a Belk credit card? If so, look no further. You will find detailed information on the various credit cards that Belk offers. Read about how to go about the application process and about the benefits that cardholder get.

On May 29, 1888, the first Belk department store was opened on in Monroe, North Carolina under the name the New York Racket. Founder William Henry Belk was 26 years at the time and had been working as a store clerk for 12 years. The store accepted cash only and had marked its merchandise clearly with the prices so there was no confusion. In 1893 William convinced his brother, Dr. John M. Belk, to become his business partner and leave his medical practice. As the store gained success the duo started expanding the business. Today, the company is still under leadership by the 3rd generation of Belk kids. There are over 300 Belk department stores in 16 southern states. Belk sells apparel for men, women, kids, beauty and fragrance products, shoes, handbags, jewelry and products for the home.http://www.belk.com/AST/Misc/Belk_Stores/About_Us/History.jsp

Belk offers three different credit cards. The Belk Rewards Card, the Belk Premier Card and the Belk Elite Card. Each card comes with its own benefits. People apply for store credit cards for many different reasons. Some people apply so they can start building their credit. Others just want to enjoy the benefits that come with the card. Even though a credit card may come in handy when you don't have money readily available, store credit cards are not always the best credit cards to get. People overlook the fact that store credit cards often have high interest rates. They also forget that applying for a store credit card will leave an inquiry on your credit report. Getting approved for a store credit card is however easier than getting approved for a regular credit card.http://www.jsnet.org/news-article/pros-and-cons-of-store-credit-cards/

Applying for a Belk credit card can be done either in the physical Belk department store or on the Belk credit card website, Belkcredit.com. During the application process you will be asked to disclose various personal, professional and financial information that will remain confidential. Some of the information you will have to provide includes:

• ■ your full name, address and phone number
• ■ your birth date
• ■ your social security number
• ■ your annual income
• ■ your email address
• ■ your driver's license number & expiration datehttps://www.onlinecreditcenter2.com/eapplygen2/load.do

Besides providing this information, you will also have to agree to the terms and conditions set by the card issuing bank, in this case GE Money Bank (GEMB).

Whether you apply in the store with the assistance of a sales clerk or online from home, you will instantly receive an answer upon submitting your application. You can either be approved, in which case your benefits instantly start and the card will be mailed to you, or you can get declined. If you are declined it will result in a letter that will be mailed to you that will state the reasoning behind this.https://www.onlinecreditcenter2.com/eapplygen2/load.do

Depending on your creditworthiness you can end up with one of three available Belk credit cards. Each one comes with it's own benefits. Following you will find a summary of these benefits:

BELK REWARDS CARD: (Annual spending at Belk $0 - $599)

• ■ 15 Percent off your purchases for one day.
• ■ You get 1 point for each dollar charged to your Belk credit card.
• ■ For every 400 points you get a $10 rewards certificate.
• ■ You get to enjoy more than 12 sales events.
• ■ you get to enjoy double point events.
• ■ Online credit card account management.
• ■ Make returns without a receipt.
• ■ No annual fee
• ■ No fraud liabilityhttps://www.belkcredit.com/consumergen2/plcc/belk/layout/CardInfo.jsp

BELK PREMIER CARD: (Annual spending at Belk $600 - $2,499)

This card enjoys the same benefits as the rewards card plus:

• ■ Get special financing on purchases.
• ■ Basic alterations that your purchases may need are free.
• ■ Gift wrapping service is free of charge.https://www.belkcredit.com/consumergen2/plcc/belk/layout/CardInfo.jsp

BELK ELITE CARD: (Annual spending at Belk $2,500 +)

This card enjoys the same benefits as the Rewards card and the Premier card plus:

• ■ Your rewards points earned never expire.
• ■ You get to enjoy special triple point events.
• ■ Every 3 months you get to pick your own sale days.
• ■ 20 Percent off coupon for your birthday.
• ■ You get coupons for free shipping.https://www.belkcredit.com/consumergen2/plcc/belk/layout/CardInfo.jsp

All three credit cards offered by Belk come with terms and conditions that you have to agree with when filling out the credit card application. If you don't agree with the terms and conditions, your application cannot be processed. The terms and conditions for Belk's credit cards are set by the card issuing bank, GE Money Bank. They want you to sign off on them because they basically want to make sure you are aware of what you are getting yourself into. By signing, you agree with the possible fees and charges you may get charged with and by going over the key terms you can also determine whether or not you can afford the card. The key terms for Belk store credit cards are as follows:

1. Annual Percentage Rate (APR): 23.49%.
2. Penalty APR: 26.49%
3. Annual Fee: $0.
4. Minimum Finance Charge: $1.
5. Late payment fee: $0 - $35 depending on balance.
6. Returned check fee: $29.

If you pay your balance in full before the due date you will not be charged any interest. The grace period for repayment of new purchases is 23 days. Also, keep in mind that GE Money Bank can request to see any additional identifying documents when processing your application. Remember to always read the terms and conditions and any fine print you may find on your application. https://www.onlinecreditcenter2.com/eapplygen2/load.do

Now you have the basic tools in order to get your very own Belk credit card. Remember to have all the paperwork and other resources handy before starting the process. Research it well so you understand what you're getting into. Remember that there are several different types of cards so decide on which one suits you best.