What is the ULTA CREDIT CARD charge on my credit card?

What this charge usually means

The descriptor ULTA CREDIT CARD is most often tied to the Ulta Beauty Rewards Credit Card account issued by Comenity Capital Bank. On statements, it can appear when interest, late fees, or other account-level charges are posted rather than a normal in-store product purchase. In other words, this line often reflects a card-servicing event, not necessarily a beauty item you bought that day.

A key detail: Ulta has both a store card and a Mastercard version. Even if you shop normally at Ulta, service-related entries can post separately from your purchase transactions. If your balance was carried past the due date, monthly interest can appear as a recurring service charge. If a payment was late, a fee may post as well.

Why it appeared on your statement

• You carried a balance and were charged interest for the billing cycle.
• A payment posted after the due date and triggered a late fee.
• Your card account had an adjustment or correction from the issuer.
• An authorized user on your account made purchases or account changes.
• A pending transaction finalized in a later billing period than expected.

If you are comparing multiple statement lines, check for similar descriptor behavior with other merchants too, such as Patreon or Cash App, where billing names can differ from what you remember seeing at checkout.

How to verify the charge quickly

Start with your most recent Ulta credit card statement and match the posted date and amount. Then log in to your card account portal and review the transaction detail and fee/interest section for that cycle. If the description is still unclear, call card customer care and ask for the exact transaction code and fee type attached to that line item.

• Ulta Beauty Rewards Credit Card customer care: 1-866-254-9971
• Confirm whether the charge is interest, a late fee, or a purchase adjustment.
• Ask the representative to note your account with the call reference number.

How to stop future charges

If this was an interest charge, the practical fix is to pay the statement balance in full by the due date going forward. If this was a late fee, set up automatic minimum payment (or full-statement autopay) and verify your payment method is current. If you no longer want the account open, request closure with customer service after paying any outstanding balance.

Before closing, ask how closure affects rewards, scheduled payments, and any trailing interest that may post after payoff. Keep written confirmation of payoff and closure for your records.

When and how to dispute

Dispute the charge if you believe it is unauthorized, duplicated, or incorrectly assessed. Contact the issuer immediately and submit a billing error dispute within the statement dispute window. Provide the date, amount, and reason you believe the charge is wrong, plus any payment confirmations or screenshots.

• Call support first to freeze further issues and document the event.
• Follow up in writing if requested for formal billing-error investigation.
• Monitor your account for provisional credit or final decision notices.

If the investigation confirms an error, the issuer can reverse the charge. If it is valid, request a full explanation and ask what steps prevent repeats in future cycles.