Don’t Sign up for the Ulta Card, Warns Former Ulta Worker

This former Ulta employee confesses why you should avoid signing up for an Ulta credit card at all costs.

“To be brutally honest, as someone who worked there for six months, I’m saying you shouldn’t have signed up for that credit card,” creator Maddie (@addieislame) said.

In the TikTok, she explained that Ulta employees were eager to push the store’s credit card. That’s because managers are “always going all out on us” to get sign-ups, and they have a minimum number required.

Maddy’s store had to sign up about 10 credit cards a day. If you fail to meet your assigned goals, your schedule will be reduced (and therefore your income will be reduced).

“This is pretty bad,” Maddie said.

She added that if you’ve ever noticed an Ulta employee get angry or rude after declining your card, that’s probably why. “If you don’t register, you’ll be in trouble.”

Maddy also experiences late payment fees even though she has paid her balance in full, no notifications when payments are late, harassment asking for payment, and unexpected card closures (which takes a big hit on her credit score). , claimed to have heard customer complaints such as charges. The purchase amount is incorrect. Nothing has been confirmed about this, so it’s all speculation at this point.

Here’s what we can partially support Mr. Maddie with: “Another big thing is that the Ulta credit card has the highest interest rate of any credit card I’ve ever seen.”

@adieiislame Don’t be fooled by Ultra Beauty Associates’ tactics to get you to sign up for a credit card 😬 #xyz #xyzcba #fyp #relevant #Ultra #UltimateEmployee #Ultraworker #Ultra Beauty Advisor #UltraCreditCard #credit card ♬ Original song – Madoka

As of this week, the average interest rate on credit cards is 27.91%. According to Forbes. However, at the time of publication, the Ulta Beauty Rewards™ Credit Card had some amazing benefits. Interest rate 32.24% (This is not prominently listed on Ulta’s credit card page, instead terms of service).

Ulta may not have the “highest interest rate” of any card, but it certainly has higher interest rates than most. It’s important to note that interest rates can fluctuate depending on your credit score and the market. (FYI, Ulta has multiple credit cards with different rates and terms.)

“I hated the pressure of forcing everyone to sign up for a credit card, and I always felt so bad when I got a yes because I knew the outcome,” Madi said.

“But if I don’t sign up, I feel like I’m going to get in trouble and miss out on hours of work…It’s a messed up situation, but that’s the case with most retailers that offer credit cards. ”

Employees at several different retail stores took to TikTok to warn people about signing up for store credit cards and explain why employees are so persistent about signing up for credit cards.

A former Navy employee said managers “encouraged people who didn’t speak English as their first language to sign up for the card.”

A former TJ Maxx employee said managers forced high school students who worked at the cash register to “sell credit cards to struggling single mothers or threaten to fire them.” She hinted that managers could earn more paid time off or other compensation if employees achieved a certain number of card registrations.

Another Ulta employee said the store’s policy requires customers to have their credit card declined three times before they stop asking for one. If she doesn’t, her manager threatens to cut her hours.

Commenters had a lot to say about Maddy’s video.

“I hated working at Ulta for this reason. I could only work four hours a week because I couldn’t sign up for a credit card,” said a former employee.

One customer said, “I stopped shopping at Ulta BC stores because the employees were so rude to say no to my card.”

“The interest rate is always outrageous. I will never use a store credit card,” another customer countered.

The Daily Dot reached out to Maddy and Ulta via email for comment.