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Ulta/Comenity Small Balance Adjustment

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TattnallTrio
Frequent Contributor

Ulta/Comenity Small Balance Adjustment

I have a few Comenity cards that are Visa/MC and a Ulta store credit card. In January we were traveling and purchased shampoo in a trail sized bottle. The total was $2.94. I charged it and later noticed a "small balance adjustment" and they didn't generate a statement. I had no other activity. The account summary showed a $0.00 balance with my full credit line available. 
Earlier this month, I made a $3.49 purchase and the same thing happened. I'll attach screen shots. 
I appreciate the generosity of Ulta and Comenity and I'm not sure if it costs more to cycle a statement (I chose the paperless option) for a few dollars or just write it off. I've read in the Terms and Conditions for the calculation of a minimum payment that if the New Balance is less than $1.00 they won't require a minimum payment. I can't remember where I've read that but it seems like something BECU would say. 
Has anyone else noticed this? To be clear, I didn't dispute these small transactions.

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Message 1 of 4
3 REPLIES 3
Hoben02
Frequent Contributor

Re: Ulta/Comenity Small Balance Adjustment

https://www.doctorofcredit.com/small-balance-waiver-a-k-a-lots-of-free-99-cent-amazon-gcs/

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One
Message 2 of 4
TattnallTrio
Frequent Contributor

Re: Ulta/Comenity Small Balance Adjustment

Thank you for sharing! I never knew this 

Message 3 of 4
HeavenOhio
Senior Contributor

Re: Ulta/Comenity Small Balance Adjustment

Doctor of Credit states that Capital One will forgive $1. However, I recently was charged  a $1 statement balance. I'd guess that they forgive balances under $1, i.e. balances of $0.99 and below.

 

These small balance adjustments are the reason for recommending a balance of at least $5 on an AZEO card. That should be enough to save the bother of knowing which bank does what. 

Message 4 of 4
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