Do You Need Good Credit to Get a Belk Credit Card?

Applicant credit scores are evaluated prior to approval of a Belk credit card. In order to obtain a Belk Rewards credit card, a potential cardholder must fill out a credit application with Synchrony Bank. Approval depends on the applicant's personal credit history.

The bank that reviews the credit card application takes many factors into consideration when deciding whether to issue a credit line to a customer. A person's credit score is considered along with information such as total income, number of credit inquiries, and history of on-time payments.

A person's credit can change over time, therefore an outcome of a credit application is not final. Credit limits are sometimes raised for an account that has demonstrated reliable payment history. If an applicant is not approved for the card, he can re-apply in the future.