Making your Ulta Credit Card payments is necessary for your credit score and to avoid unnecessary fees. The Ulta Credit Card is issued by Comenity Bank and comes in two varieties. If you wish to learn more about them, we’ve got you covered.
The Ultamate Rewards Credit Card (store card), which can only be used at Ulta, and the Ultamate Rewards Mastercard (that can be used anywhere Mastercard is accepted).
The members receive a series of specific benefits and rewards and enjoy exclusive discounts and bonus points, but to all the benefits from the card, timely payments are necessary.
We will cover various payment methods, an idea of how to prevent late fees, as well as everything that you might need to know regarding Ulta Credit Card payments.
How to Make a Payment of your Ulta Credit Card Online
The best and easiest way to make a payment for your Ulta Credit Card is online. Follow these steps:
- Go to Comenity Bank and log on to your Ulta Credit Card account.
- Click Payments and enter your bank account details.
- Select amount you want to pay (minimum due, statement balance or choose yourself).
- Verify the payment and receive a confirmation email.
Online payments enable you to make a one-time payment or set up recurring payments so that you can never make a late payment.
How to Run an Ulta Credit Card Payment by Phone
Alternatively, making an Ulta Credit Card online payment by phone is by dialing Comenity Bank 800 Phone Number or ringing 1-866-257-9195.
By just filling out the automated payment information form. Or, you may also talk to a representative for support. Make sure to have your credit card details and bank account details with you.
You can also pay by mailing your Ulta Credit Card payment via traditional method to this address. The address remains Comenity Bank, P.O. Box 659820, San Antonio, TX 78265-9120, or Ulta Mastercard Payment Address: Comenity Bank, P.O. Box 659819, San Antonio, TX 78265-9119.
Mail your check or money order to be sure to have it postmarked at least 7–10 days prior to the due date to avoid late fees.
However, Ulta Beauty stores will not accept in-store credit card payments. All payments are to be made online, by phone, or by mail through Comenity Bank.
How To Activate Auto Pay For Ulta Credit Card
To prevent missed payments and late charges, making AutoPay is a good deal.
- Access the Ulta Credit Card payday loans Comenity log-in portal located at the Comenity Bank website.
- Enter the AutoPay section and choose “Enroll in AutoPay.”.
- Enter your bank information and select the amount you want to be taken from your account every month (minimum due, statement balance or any amount you like).
- Confirm and update AutoPay.
Once activated, your payments will be automatically debited by the due date of each month.
How to Avoid Ulta Credit Card Late Payment Fees
If your Ulta Credit Card payment is made after the due date, you may be subject to a late payment fee of $29–$40. To avoid this:
- Turn on payment reminders by email or text.
- Enable AutoPay for convenient payments.
- Pay off early if there is a chance you will delay.
Timely, consistent repayment also helps a good credit score.
How to Raise Ulta Credit Card Limit
To request a credit limit increase, both scenarios just described are part of a broader strategy in the program.
- Log in to your Comenity Bank account.
- Go to the “Credit Limit Increase” section (if you have one).
- Provide your application with income records updated.
If that’s being difficult, you can call the Comenity Bank customer service number at 1-866-257-9195 for an upgrade. A larger limit can enhance your credit utilization ratio and your credit score.
How to Deal with an Ulta Credit Card Payment Rejection
If you encounter an Ultadit Card payment declined, see this:
- Check if funds are available in your bank account.
- Check your payment information (Card Number, the Date of Expiration Date, the Billing Address).
- Contact Comenity Bank for help.
- Free UserService
Resolving these issues promptly saves you from late fees and negative credit effects.
Ulta Credit Card vs. Other Beauty Store Credit Cards
How does the Ulta Credit Card compete against other beauty store credit cards, like the Sephora Visa Credit Card?
- Ulta: 2% points per $1 spent at Ulta; no annual fee.
- Sephora: 4% cashback on Sephora transactions; used in place of actual money wherever Visa is accepted.
- Ulta Mastercard: 1P/E $3 non Ulta.
If you tend to shop at Ulta frequently, the Ulta Credit Card is definitely a better choice due to its higher rewards rate and in-store bonuses.
Bottom Line
Making your Ulta Credit Card payment on time allows you to keep a good credit score, lay no late fees, and unlock your rewards.
Irrespective of whether you prefer online, by phone, or by mail, paying punctually is the way to ensure you with no major disruptions.
Enabled a setting autoPay and payment reminders make accounting management simple. If you purchase a lot at Ulta, the Ulta Credit Card is an excellent tool for collecting beauty rewards along with financing your purchases responsibly.