What the Bealls Outlet Charge Card Does

The Bealls Outlet Charge Card is a store credit card issued by Bealls Outlet, a discount department store chain. You use it to make purchases at Bealls Outlet locations and online at beallsoutlet.com. The card offers discounts and rewards on your purchases, and you pay the balance monthly like any other credit card.

This card is different from a general-purpose credit card — you can only use it at Bealls Outlet stores and their website. If you shop at other retailers, you'll need a separate card. The card is issued through a third-party lender, not by Bealls Outlet itself, so the terms and approval process follow standard credit card rules.

Key Takeaways

  • The Bealls Outlet Charge Card works only at Bealls Outlet locations and beallsoutlet.com, not at other stores.
  • You can request a card in-store at any Bealls Outlet location or through their website during checkout.
  • The card issuer will check your credit history and income to decide whether to approve you.
  • New cardholders typically receive a discount on their first purchase, though the exact offer changes seasonally.
  • You receive a monthly statement and can pay online, by phone, or by mail using the account number on your card.

How to Request the Card In-Store or Online

You can request the Bealls Outlet Charge Card at any Bealls Outlet register during checkout. Tell the cashier you want to open a new card account. They will hand you an process form or direct you to a kiosk where you can fill one out on the spot. The process takes about 10 minutes, and you'll know whether you're approved before you leave the store.

If you prefer to request the card online, go to beallsoutlet.com and look for the "Credit Card" or "explore Now" link, usually in the footer or account section. You'll enter your personal information, income, and Social Security number. The issuer will tell you when ready whether you're approved, and if you are, you can use the card number right away for online purchases. Your physical card will arrive in the mail within 7 to 10 business days.

You do not need to be an existing Bealls Outlet customer to request a card. New customers can open an account and make their first purchase on the same day.

What Information You'll Need to Provide

The process asks for your full name, date of birth, address, phone number, and email. You'll also need to provide your Social Security number so the issuer can check your credit report. Have your driver's license or state ID ready — the cashier may ask to see it to confirm your identity.

You'll be asked for your annual household income and current employment status. This doesn't have to be exact — an estimate is fine. If you're self-employed, retired, or receive income from sources other than a job, include that in your total. The issuer uses this information to set your credit limit, not to turn you down.

If you're requesting the card online, you'll also enter your mother's maiden name or another security question answer. This helps the issuer verify your identity if you call customer service later.

Credit Check and Approval Timeline

The card issuer will pull a hard inquiry on your credit report, which means they look at your full credit history, payment record, and existing debt. This inquiry appears on your credit report and can lower your credit score by a few points temporarily. If you're approved in-store, you'll know within minutes. If you request the card online, you'll usually get a decision within seconds to a few minutes.

If you're denied, the issuer will mail you a letter explaining why within 30 days. Common reasons include a low credit score, recent missed payments, or high existing debt relative to your income. You can request a copy of your credit report for free from annualcreditreport.com to see what the issuer saw.

If you're approved but offered a lower credit limit than you hoped for, you can request a higher limit after you've made on-time payments for several months. Call the customer service number on the back of your card to ask.

Using Your Card and Understanding the Terms

Once approved, you can use your card when ready at any Bealls Outlet store or on their website. New cardholders usually receive a discount on their first purchase — this is often 10% to 20% off, though the exact offer varies by season and promotion. Check your welcome email or the receipt in your card package to see what discount applies to you.

The card charges interest on balances you don't pay in full each month. The interest rate (called the APR, or annual percentage rate) depends on your credit score and is stated in your welcome materials. Bealls Outlet cards typically carry APRs between 16% and 24%, though yours may be higher or lower. You'll also pay interest on any balance you carry from one month to the next, so paying in full each month saves you money.

The card may have an annual fee, though many store cards waive the first year. Check your welcome letter to see whether you're charged a yearly fee and when it renews.

How to Make Payments and Check Your Balance

Your monthly statement arrives by mail or email, depending on what you chose during signup. The statement shows your balance, minimum payment due, and due date. You must pay at least the minimum by the due date to stay in good standing.

You can pay online through the Bealls Outlet website or the card issuer's website — the issuer's name appears on your statement and card. You can also pay by phone by calling the number on the back of your card, or by mail by sending a check to the address on your statement. Online and phone payments usually post within one business day. Mail payments take 5 to 7 business days, so send them early if your due date is coming up.

You can check your balance and recent transactions anytime by logging into your account online or calling customer service. Most cardholders set up automatic payments so they don't miss a due date — you can choose to pay the full balance, the minimum, or a fixed amount each month.

Rewards, Discounts, and Special Offers

Bealls Outlet Charge Card holders receive periodic discounts and special shopping events. These offers are usually sent by email or mail and may include percentage discounts on specific days, bonus points during certain weeks, or early access to sales. The exact offers change throughout the year, so check your email and statements for current promotions.

Some cards offer a rewards program where you earn points on every purchase and can redeem them for discounts or free merchandise. The point value and redemption options vary, so ask the cashier or check your welcome materials to see what program applies to your card.

New cardholders almost always get a first-purchase discount, which is one of the main reasons to open the card if you're planning to shop at Bealls Outlet anyway. This discount typically ranges from 10% to 20% and applies to your first transaction.

What Happens If You Miss a Payment

If you miss your due date, the issuer will charge a late fee (usually $25 to $40) and may increase your interest rate. Your payment is considered late if it arrives after the due date shown on your statement. If you're more than 30 days late, the missed payment will appear on your credit report and can lower your credit score significantly.

If you realize you'll miss a payment, call the customer service number on your statement right away. Some issuers will work with you to set up a payment plan or waive a late fee if you've been a good customer. The sooner you contact them, the more options you may have.

If your account goes unpaid for 120 days or more, the issuer may close your account and send your debt to a collection agency. This makes it much harder to borrow money in the future and can affect your ability to rent an apartment or get a job.

Frequently Asked Questions

Can I use the Bealls Outlet card at other stores?

No. The Bealls Outlet Charge Card works only at Bealls Outlet locations and beallsoutlet.com. You cannot use it at other department stores, grocery stores, or online retailers. If you need a card that works everywhere, you'll need a Visa, Mastercard, or American Express instead.

What if I'm denied for the card?

You'll receive a letter in the mail explaining the reason, usually within 30 days. Common reasons include a low credit score, recent missed payments, or high debt. You can request a free copy of your credit report from annualcreditreport.com to see what the issuer saw. You can request the card again after your credit improves, typically after 6 to 12 months of on-time payments.

How do I close my Bealls Outlet card account?

Call the customer service number on the back of your card and ask to close the account. Pay off any remaining balance first. Once closed, you won't be able to make new purchases, but you'll still need to pay any balance you owe. Closing a card can lower your credit score slightly, so only close it if you're sure you won't use it again.

Will requesting this card hurt my credit score?

The credit check (called a hard inquiry) will lower your score by a few points temporarily, usually 5 to 10 points. This effect fades within a few months. However, if you open the card and use it responsibly — paying on time and keeping your balance low — your score will recover and improve over time.

Can I use the card if I have bad credit?

Store cards like the Bealls Outlet card are often easier to get than general-purpose credit cards, even with lower credit scores. If you're denied, you can request the card again after your credit improves. In the meantime, a secured credit card (where you deposit money upfront) can help you build credit for future requests.