If you have a Belk credit card, watch the mail for periodic postcards featuring discounts, usually a percentage off your purchases.
These coupons are very different from the ones in Belk's circulars. In fact, they're like gold. That's because circular coupons usually have dozens of exclusions, particularly fragrances, cosmetics and designer brands, while the postcard discounts generally have no exclusions.
This means you can save on items that rarely, if ever, go on sale. Imagine saving 20 percent off Lancome, Arden or Lauder products. The savings can really add up fast.
So the next time you receive a mailing from Belk, be sure to check the terms on it.