I advise anyone who shops at Ulta NEVER to apply or use their MasterCard. I closed my account and was given a ending balance which I paid. Then when I looked on my account, there was a magical "residual" interest charge, stated to me by customer service. I then asked what was the EXACT amount I would need to pay in order to stop occurring interest and she said, "I cannot answer that". Meaning that the company will continue to charge me interest upon interest every month. Completely unacceptable boarding on fraud in my opinion. Cancel your Ulta Mastercard now. Not worth it.