Cutting ties with Ulta Credit Card can be required for a number of reasons, such as reducing debt, moving to a more rewarding rewards card, or dodging high interest along with fees. But shutting a bank card without proper planning might hurt your credit score.
If you have the Ulta Beauty Rewards Credit Card or the Ulta Beauty Rewards Mastercard, knowing the cancellation procedure is vital to maintaining your finances under control.
The best way to avoid complications with rewards and balances is to stay on course by repaying balances and cashing in rewards before the card is closed. This guide is a safe way to how to cancel Ulta credit card and lose financial and credit risks.
Reasons for Canceling Your Ulta Credit Card
Individuals close their Ulta Credit Card due to being charged too much interest, too little use outside Sloan Ulta Beauty, getting a similar reward benefit from another card because of oversimplification of their finances, or paying a fee for late payment.
Closing the card, pay all fees, but the demand for this influence in the card and the rewards that have been assessed.
- High interest rates against other cards.
- Use is supervised outside Ulta Beauty stores.
- Decreasing the number of active cards.
- More cashback or reward options from other credit cards.
- Not missing a payment and no late fees.
How to Prepare Before Canceling Your Ulta Credit Card
Before starting to cancel, take into consideration the following:
- Close out the balance to avoid further fees.
- Exchang any accrued rewards before closing the account.
- Disconnect any recurring plans linked to your card.
- Find out how shutting the account may hit your credit rating.
How to Cancel Your Ulta Credit Card
Check out these steps to properly close your Ulta Credit Card.
1. Call Comenity Bank Customer Service: Dial 1-866-254-9971 (store card) or 1-866-257-9195 (Mastercard).
2. Identity Verification: Enter your account details for security verification.
3. Close Account (Cancel Bill Card): Tell the person that you want to cancel your account.
4. Make Confirmed on Any Trail Balance: Clearing acknowledged amount before shutting.
5. Get Cancellation Confirmation: Demand the written confirmation via email or mail.
Can Ulta Credit Card Be Canceled Online?
Comenity Bank for now does not have an online option to cut off your Ulta Credit Card. If you desire to close the account, you have to contact directly the customer service department by telephone.
This guarantees the correct authentication and the misuse prevention on the account cancellation.
To continue, dial 1-866-254-9971 for the Ulta Beauty Rewards Credit Card or 1-866-257-9195 for the Ulta Beauty Rewards Mastercard.
A representative will walk you through the process, ask you to verify your identity, confirm any outstanding balance, and then close your account.
It is best to settle all outstanding balances and use any accumulated rewards before making a request. Once finished, get a printed confirmation of the account closure for your own records to prevent any future problems.
Canceling Ulta Credit Card Affect Credit Score
Closing your Ulta credit card may damage your credit utilization ratio and credit history, in turn decreasing your credit score. To ensure no damage, take steps ahead of this closure.
First, if you intend to have other active credit accounts, then maintain a good credit history. Also, having open older credit accounts can help make you able to take advantage of the fact that those older accounts make up a larger portion of your credit history, which is another big component of your overall score.
Also, use to pay your full balance to avoid late fees or debt when you shut your account. If feasible, think of opting out and selecting a more reasonable package; unzip it completely. Know how to plan right, and you can escape financial blunders and at the same time ensure your credit.
How To Pay Off Ulta Credit Card And Cancel Payments After Closing Account
If you have recurring payments affiliated with your Ulta Credit Card:
- Change payment details information to merchants.
- Delete stored card details from online sites.
- Check no out-of-stand charges before cancellation.
What Happens to Your Ulta Credit Card Rewards After Cancelation?
Before closing your Ulta Credit Card, use any unredeemed rewards; rewards may be lost when your account is shut down. Quite a few credit card reward schemes stop you from making points transfer after you have cancelled, so you could be faced losing the benefit you already hold.
Prevent this by checking your reward balance and applying your points to purchases, discounts, or other available redemption choices before closing your account.
Also, you should contact Comenity Bank’s customer service to check if there are any remaining points that can be transferred or used before finalizing the cancellation.
Having your rewards properly in hand ahead of time ensures you get the most out of your Ulta Beauty Rewards Credit Card without wasting rewards when you close the account.
Alternatives to Canceling Your Ulta Credit Card
Instead of canceling, consider these:
- Downgrade to a lower-tier card with fewer fees.
- Keep credit here through minimal usage; you stay forever clear of your credit history.
- Transfer balances to another card that is rewarding.
Customer Support for Ulta Credit Card Cancellation Assistance
For any problems related to canceling your card, contact Comenity Bank Customer Service.
- Ulta Beauty Rewards Credit Card: 1-866-254-9971
- Ulta Beauty Rewards Mastercard: 1-866-257-9195
- TTY/TDD (Hearing Impaired): 1-888-819-1918
Conclusion
Reducing your Ulta credit card is crucial so as not to incur unnecessary fees or harm to your credit score. Before canceling, make sure that all outstanding balances have been paid and any accrued rewards have been redeemed in order to prevent forfeiting them.
Do the right thing and close your account in a smooth manner, like by calling Comenity Bank to verify. Additionally, consider options such as keeping the card open with minimal use or switching to a different card with better benefits.
Evaluating your financial goals beforehand will determine whether cancellation is the right move for your situation while minimizing potential credit-related consequences.