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 banks (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 have no way to track electronic payments that come into them.
DO NOT DO BUSINESS WITH BELK. I've been patronizing them for 40 years and it stuns me how much their customer service has gone down hill over the past 5 years.