Ulta employees will inform you if you are "pre-approved"at the register! You will confirm your address, phone number and put in the last 4 of your social security number. This pretty much describes the process but the Chickie behind the counter was like, "let's see if it approves you". Hmm. I went for it because, I like to take risks sometimes and I really wanted a card for this store. Now Macy's won't be only cosmetics card!
After approval, I received a slip with my credit limit ($750.00 )and it only mentions Ulta Credit Card with no mention of Mastercard. The APR was higher than 23%. I am still excited because it was a win! My credit score (mostly utilization) has suffered from buying a house, a new car, furnishing the home and sending the kiddies (both) off to college. So, I was happy to accept! I also know that Comenity has rewarded me with credilt increases on my other cards from $250 starting limits ( became 2500 in a year) when I was just building to 8K+ starting limits (after closing). So, I"m looking forward to growing this card too!
Call RoboLady (not Chickie) next day after approval for cli, you should get another $300 or maybe more.
Congrats on getting a card you wanted. I know the feeling you speak of being a fellow risk taker lol . Enjoy it !