03-17-2017 09:00 AM - edited 03-17-2017 09:44 AM
I am just curious if anyone who has been pre-approved for an ULTA card, be it a store card or mastercard, knows what their scores were when they were pre-approved?
Also, does anyone know which credit bureau was pulled? My scores are decent and I'm not really afraid of being rejected, but I have lots of hard inquiries on my TU report from before I started caring about my credit. I know the effects lessen over time and most have little to no impact but I'm still trying to keep my total number from increasing.
Any insight would be much appreciated!
03-17-2017 10:16 AM
I was pre-approved for the Ulta card around the Summer of 2016 when my scores were around 665. I was notified of the pre-approval in-store, so I don't remember if they differentiated between the store card and the mastercard at the time. However, since I knew I was pre-approved for something and wanted a higher SL, I wound up applying online for the Mastercard in December 2016 with a hard pull to Equifax, when my score was around 675. I didn't have any inquiries on EQ at the time, just one on EX.
If you're not sure about which to apply for, I recommend going with the store card and trying the shopping card trick to avoid a hard pull (most times SCT is a soft pull). I do enjoy the card since it gives an additional bonus point to an already generous rewards program, though the APR is astronomical. Just make sure you never carry a balance. Good luck!
03-17-2017 12:07 PM
I applied last summer I believe for the Ulta card with no pre-approval. I was approved for the Mastercard version and my score was right around 680. They pulled EX for me.
03-17-2017 04:27 PM
03-17-2017 05:12 PM - edited 03-17-2017 05:19 PM
I was too impatient to wait for responses and app'd! The SCT never worked for me for this store, but after biting the bullet and app-ing I was approved for a $1,000 Mastercard. I wish it was a little higher but Comenity has never been as kind to me as Synchrony. I'll still take it! 😊
03-17-2017 06:15 PM - edited 03-17-2017 06:15 PM
approved for 14,000 Mastercard @ 17.49%
LOTS of INQ 25+ on each bureau
03-18-2017 10:29 PM
I was pre-approved for the card in the local ULTA store tonight. The lady at the counter said I was pre-approved for the mastercard - but the little receipt she gave me says I got the Ultimate Rewards Credit Card - no mention of Mastercard. $400 limit. My current FICO's are EQ 622 TU 648 and EX 633.
Paid a ton of stuff off in the last month - still waiting for everything to settle out in FICO-land. Probably should have waited to accept until it all had - but when she said I was pre-approved for the "MasterCard" I went through with it. Either way is fine I guess... but I really would have liked the MC instead of the store card.
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