We purchased using credit card and forgot to pay immediately, we haven't recieved any reminder or mail for 3 months but we were fined and the amount became twice our purchase.
We also have a JC penny credit card and we recieve a mail if ever we miss a payment within 2 weeks reminding our last date. When we called the customer service they said our address was falsely noted which is ridiculous, they are just robbing our hard earned 120$$. I hate Belk beware of this scam.