***DON'T GET THE ULTIMATE CREDIT CARD YOU WILL REGRET IT!!!!!*** I went to Ulta to purchase Christmas gifts a year or so ago and got talked into getting the Ulta Beauty Rewards Card..THE BIGGEST MISTAKE OF MY LIFE!!!!!! My checking account got hacked which caused me to get behind on my house, car, and other bills. Which I contacted Ulta letting them know what was going on. So I still tried to keep up my credit cards and this card was one of them. I noticed that my credit limit went down but I didn't really feed into it until it went down even more, so I called and was told that they check your credit every 3 months and based what's on there they will decrease your limit..well my limit went from $700 to $100 and I ALWAYS have paid ON TIME..I even paid a late fee when I was on the internet trying to pay my bill and said paid with confirmation and when I contacted for a refund I was treated like I was NOTHING!!!! I recently found out that everytime Ulta check your credit that it was taking my score down even more so I closed my account..Ulta doesn't want my business and I don't want theirs!!! It was not disclosed that my credit will be checked every 3 months causing my score to go down nor did I authorize for them to check my credit. As long as I am paying my bill and on time what's on my credit after I received this card is none of Ulta business unless I'm requesting a credit limit increase. Had I known I would have NEVER gotten this card. I closed the account and was told once I pay the balance to call back because I will have interest and a late fee. WHY WOULD I HAVE ANY BALANCE IF I'M PAYING IT IN FULL???? This high interest rate, non caring company is BAD BUSINESS THAT I WOULDN'T SEND MY ENEMIES TO AND I'M SURE THEY DON'T CARE ABOUT THIS OR ANY OTHER COMPLAINTS THAT THEY RECEIVE!!!!!!! DON'T GET THE ULTIMATE CARD YOU WILL REGRET IT!!!!!!!!