DO NOT get a Belk card. CAVEAT EMPTOR: they have no way of tracking payments though electronic funds transfer. I made my payment through my bank's (very reliable) online bill pay service. Three weeks later I received a bill from Belk with late fees and warnings that I had not paid the previous month's bill. When I called customer service and gave them the date of the transaction, the amount, the EFT number, etc. they told me they would "file a statement" but that I was responsible for paying the whole amount again as they... read full review »