Making payments on the app sucks! You dont have the option to use Paypal or your bank card to make payments on your Ultimate card. I dont like having too much of my personal info floating around the web, which they force you to do. Also, when Im signed in to view my account, I need to sign in again. Its just a big pain in the butt...the Sephora app is so much simplier to use. I'm getting turned off of Ulta and I'll probably just cancel my card too. Not worth the irritation..