Q1: Can I make an Ulta card payment using a debit card or another credit card?
A1: No. Synchrony's online portal and phone systems accept direct automated clearing house (ACH) bank drafts using your routing and account number. You cannot pay off an Ulta credit card using a Visa or Mastercard debit card online, nor can you use an external credit card.
Q2: What should I do if my payment doesn't post immediately on my bank statement?
A2: As long as you submit your payment before 11:59 p.m. ET on your due date and receive a confirmation code, Synchrony honors the submission date. While your bank account might take two business days to reflect the debit, the card balance updates to reflect the payment date without incurring penalties.
Q3: How do I contact Synchrony if I suspect an incorrect charge on my statement?
A3: Call the Synchrony Financial customer service line printed on the back of your card (1-866-257-1971 for the store card or 1-866-396-8254 for the Mastercard). You must report disputed billing items in writing or through official service lines within 60 days of the statement issue date.
Q4: Will setting up autopay cover a payment due today?
A4: Setting up autopay generally applies to future billing cycles. If you have an unpaid balance due immediately, submit a manual one-time payment first to prevent delinquency, then activate autopay for upcoming statements.
