INTEREST RATES AND INTEREST CHARGES
a
Annual Percentage Rate (APR)
24.99%
for Purchases
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It
27.99%b.
Applies
This APR will vary with the market based on the Prime Rate. This APR will be
applicable to your Account if you:
fail to make any Minimum Payment by the date and time due (late payment); or
make a payment to us that is returned unpaid.
How Long Will the Penalty APR Apply?: If APRs are increased for a
payment that is more than 60 days late, the Penalty APR will apply indefinitely.
How to Avoid Paying Interest
Your due date will be a minimum of 25 days following the close of each billing
on Purchases
cycle. We will not charge interest on new purchases provided you have paid
your entire balance in full by the due date each month.
Minimum Interest Charge
If you are charged periodic interest, the charge will be no less than $1.00.
For Credit Card Tips from the
To learn more about factors to consider when applying for or using a credit card,
Consumer Financial Protection
visit the website of the Consumer Financial Protection Bureau at
Bureau
http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee
None.
Penalty Fees
Late Payment
Up to $37.
Returned Payment
Up to $37.
How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). See
"Periodic Interest Charge Calculation" section of this Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this
Agreement. See "Your Billing Rights" section for full details.
Prime Rate: Estimated variable APRs are based on the 4.25% Prime Rate.
a. We add 20.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.08%).
b. We add 23.74% to the Prime Rate to determine the Penalty APR (monthly periodic rate currently 2.33%).
The information about the costs of the credit card account described above is accurate as of July 1, 2017. This information may have changed. For the most current information
contact us at 1-800-564-5740.
Authorization: When you apply for a Kohl's credit card
be revealed if you do not wish it to be considered as
a
plan to any joint applicant. As required by law, you are
from Capital One, N.A. ("Capital One", "we", or "us"), you
basis for repaying this obligation.
hereby notified that a negative credit report reflecting
agree to the following:
8. You acknowledge that you have read and agree to
on your credit record may be submitted to a credit
1. You authorize us to obtain credit bureau reports in
be bound by the important rate and fee disclosures
reporting agency if you fail to fulfill the terms of your
connection with your request for an account. If an account is
and the terms stated under this Authorization and the
credit obligations.
opened, we may obtain credit bureau reports in connection
Cardmember Agreement section of the disclosures
Notice to Married Wisconsin Residents: No provision
with extensions of credit or the review or collection of your
attached to this form. You agree that we may verify your
of any marital property agreement, unilateral statement
account. If you ask, we will tell you the name and address
information, check your credit history and secure follow-
or court decree adversely affects our rights, unless you
of each credit bureau from which we obtained a report
up credit reports on you.
give us a copy of such agreement, statement or court
about you.
Ohio Residents: The Ohio laws against discrimination
order before we grant you credit, or we have actual
require that all creditors make credit equally available
2. You are providing information in this application to
knowledge of the adverse obligation. All obligations
to all customers, and that credit reporting agencies
Capital One and to Kohl's. Capital One may provide
on this account will be incurred in the interest of your
maintain separate histories on each individual upon
information about you (even if your application is declined)
request. The Ohio Civil Rights Commission administers
marriage or family. You understand that we may be
to Kohl's so that they can create and update their records,
compliance with the law.
required to give notice of this account to your spouse.
and provide you with services and special offers.
Married Wisconsin residents must furnish their
New York and Vermont Residents: Capital One may
3. By using the account or any card, or authorizing
obtain at any time your credit reports, for any legitimate
(the applicant's) name and social security number
their use, you agree to the terms of the Cardmember
purpose associated with the account or the application
as well as the name and address of their spouse to
Agreement. If you open your account in a Kohl's store
or request for an account, including but not limited to
Kohl's, PO Box 3120, Milwaukee, WI 53201.
you acknowledge receipt of this disclosure and a copy of
reviewing, modifying, renewing and collecting on your
Omission of any information requested on the application
the Cardmember Agreement before your first purchase.
account. On your request, you will be informed if such a
may be reason for denial of an account.
4. As described in the Cardmember Agreement, we
report was ordered. If so, you will be given the name and
IMPORTANT INFORMATION ABOUT PROCEDURES
reserve the right to change the terms of your account
address of the consumer reporting agency furnishing
FOR OPENING A NEW ACCOUNT
(including the APRs) at any time, for any reason.
the report. New York residents may contact the New
York State Department of Financial Services to obtain a
To help the government fight the funding of terrorism
5. We will review your credit history to determine if you
comparative listing of credit card rates, fees and grace
and money laundering activities, Federal law requires
qualify for an account and, if so, your credit line. Based
all financial institutions to obtain, verify, and record
periods.
on this review, you may not receive a card.
information that identifies each person who opens an
New York State Department of Financial Services
account.
6. You must be at least 18 years old to qualify (19 in AL
1-877-226-5697 or http://www.dfs.ny.gov/consumer/
and NE).
creditdebt.htm
What this means for you: When you open an account,
7. You acknowledge that you must provide additional
we will ask for your name, address, date of birth, and
California Residents: Applicants: 1) may, after credit
information electronically, including income. Alimony,
other information that will allow us to identify you.
approval, use the credit card account up to its credit
We may also ask to see your driver's license or other
child support or separate maintenance income need not
limit; 2) may be liable for amounts extended under the
identifying documents.
SA-07/17
KOHL'S CARDMEMBER AGREEMENT
Minimum Interest Charge. We may charge no less than the minimum interest
number and a brief description of the problem and copy of the credit reporting
This agreement ("Agreement" governs your Kohl's credit card account
charge of any periodic interest due for billing cycle.
it. investigate matter. investigation
Please keep this Agreement for your records. You agree with us that the
following terms apply to your Account.
8. Periodic Interest Charge Daily Balance (Including
that we will contact which we reported
New Purchases): We figure the periodic interest charges your
the information and will request they correct the report. we disagree with
Capital One, and Kohl's may exchange information about you and your
applying the applicable monthly periodic rates to the "average
our investigation, we will tell you in writing or by telephone.
Account(s) can receive the benefits of the Kohl's program
your
Account
(including
current
transactions).
To
the
"average
18. Credit Balances: You may request a refund of any at any time.
and so Kohl's can inform you of additional information, offers and
for type (balances on Promotional Credit Plans and balances
Otherwise, we will apply new charges on your Account or provide the
opportunities.
amounts), we take the beginning balance of each applicable balance each
refund you as required
Definitions and Card Usage: In this Agreement, the words "your", and
add
any
new
purchases,
unpaid
interest
charges,
fees,
other
and
"cardmember' refer to each person who applies for the Account each
adjustments. then subtract any payments, credits or credit This gives
19. Credit Marketing: eligible to receive Kohl's Charge marketing
the daily balances. Then, add up all the daily balances
offers, Kohl's may, in its discretion, suspend your offers under
agrees liable on the Account. The words "we,"
Capital
creditor
and
issuer
of
the
Account
person
and divide total by the number of days in the billing cycle. gives the
circumstances, without limitation: (i) your Account has limited activity becomes
"average balance" for balance
inactive for a period of time: (ii) your Account becomes past and you
whom Agreement and/or the Account may be assigned. means
make current for period of time. Our print marketing offers sent
Department Inc., Ridgewood Menomonee Falls, Wisconsin
On the of each billing balance the
53051.
your
to
interest
addresses outside of the United States or Canada or to military
servicing
and
referred
alone
charges
from
the
prior
billing
cycle
(in
this
way
we
compound
interest
offers be forwarded by the postal
means issued to
monthly basis). Purchases and fees are added to your daily balance as of the
your address after moving order to continue receiving offers.
under this Agreement that may be used to make purchases Kohl's. You agree
transaction date or later date of our choice.
update your address or any of your contact information or would
that
purchases
made
using
the
Account
shall
be
only
for
family,
Payments:
of receiving our print marketing offers, please call the customer service telephone
household purposes. means any plan we and
available annual percentage
Minimum Payment. You must make your minimum payment way that
number your card statement.
other terms. The sum of your Credit Plan balances equals total Account
receive the time and date is due. The minimum payment Account
20. Communications: You agree that we may communicate with you by mail,
balance. Balance" means the amount displayed as the Balance
includes the minimum payment each Credit Plan. You make payments
telephone, email, fax. prerecorded message, automated voice, message,
Statement.
greater than your required minimum payment. This will reduce the interest charges
other means allowed by law regarding your Account. authorize or
that added to your Account
acting our behalf, to call or send text message to any number
Amendments: We have the right to change the terms of this Agreement
Your minimum payment will be the larger (or total amount owe
any
number
where
reasonably
believe
we
contact
include
for any reason, and in any respect, by adding, deleting or modifying
provision, the minimum payment and other terms. We
the sum of of the New Balance include balances
to mobile, cellular, similar devices, and calls using automatic telephone
add new provision without regard to whether the provision deals with
any Special Repayment Term Reduced APR Promotional Plan), plus the
systems and/or prerecorded messages, We also send an
matter addressed by this Agreement.
periodic charges, plus amount required under any
where we reasonably believe contact You agree monitor
Term Reduced APR Promotional Credit Plan. plus any penalty fees billed on the
record any conversation or other communication with
In certain circumstances, we are required by law to notify you of changes
Statement for which your minimum payment is calculated. We will
21. Established Business Relationship: further agree that you have an
to the terms of this Agreement, and in other circumstances we may not be
amount
due
to
your
minimum
payment
In
addition
the
minimum
required to do so. When required by law to advise you that have legal
payment,
established
business
relationship
with
us
and
with
Kohl's
and
that
both
may part of the total balance your
contact you from time to time regarding your Account and products and services
any changes we make, we will provide an explanation about
least the minimum payment amount each month, even than the
or Kohl's believes may be of interest contacts
how that.
minimum payment on the previous Statement.
not
unsolicited
and
may
be
monitored
to
assure
service.
some circumstances, APRs or other aspects of your Account may change
How Apply Your Payments. In each billing cycle, generally payments
22.
GOVERNING
THE
TERMS
ENFORCEMENT
OF
AGREEMENT
though the terms of the Account do not change, for example when the
up to your minimum payment amount to satisfy the minimum payment due
SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH
Prime changes or the Penalty APR becomes applicable. See the
each
Credit
Plan.
first
the
highest
Credit
Plan
balance
to
lower
FEDERAL
AND,
EXTENT
THE
VIRGINIA.
about our right to increase APRs on outstanding balances
Credit balances. We any part your payment exceeding your
WITHOUT REGARD OF VIRGINIA,
future transactions for events of default including late payment.
minimum payment first to the balance with the and then to balances
WHERE YOUR ACCOUNT NO MATTER WHERE
Information: request certain information about you to manage your
OR
Payment Instructions. You agree to pay us amounts you owe in dollars. You
23. Assignment: We may assign your Account, any amounts you of
money order or electronic debit drawn
and obligations under this Agreement third party. The person
and residential address different);
bank
branch
in
the
We
will
accept
cash
payments
through
the
mail.
When
make the assignment will be entitled to any of our rights we assign to that
your
receive apply payment, might not restore your credit line that amount
person.
You
may
not
assign
this
Account.
(4) your Social Security number or other government identification number:
for
24. Enforcing this Agreement: We can delay enforcing or not enforce any of
(5) your telephone and phone number(s);
For mailed payments, your Statement and the envelope it comes in give you
under
this
Agreement
without
losing
our
right
enforce
them
the
future.
(6) your income information; and
instructions about how, when and where to make your payments. You must follow
any of the terms of this Agreement are found to be unenforceable, all other
your email address.
these instructions. Your payment be credited to your Account before
remain
you change your contact information such as any mailing telephone
receive at the address specify for receipt of payments and in accordance with
25. Military Lending Act (MLA)
number or email address, you must notify us immediately in writing at the address
the payment instructions.
The applicable to consumer credit card accounts opened
shown on your Statement.
Payments made in store by close of business will be credited as of date payment
We may obtain telephone and cell phone numbers, mailing address and e-mail
received.
Federal law provides important protections to members of the Armed Forces and
from you, third parties, caller and other sources.
you make payment marked as paid in indicate that amounts
their dependents relating to extensions of consumer credit. In general, the
corrections from the United States Service, third
owe us, you must send that payment the special back
of consumer credit to a member of the Armed Forces and his dependent
called 'Conditional Payments"
not exceed an annual percentage rate percent. This rate
Promise return for extending credit to this Account from time to
accept conditional payment and not agree that pays amounts you owe on
as applicable to the credit transaction or account, the costs associated with credit
time, pay for all goods services Account,
your Account. Also. we may return a conditional payment to you and you will
insurance premiums; fees for ancillary products sold in connection with the credit
and
other
charges
set
forth
below,
according
the
terms
of
this
owe us the amount of the payment or any other amounts Account.
transaction;
any
application
charged
(other
than
certain
application
fees
for
Agreement. more than one person has applied for liable Account, then
You authorize US to collect any payment check either electronically or by draft.
specified credit transactions or accounts): and any participation (other
each of you will be responsible for paying all charges incurred by either of you
can collect payment checks electronically by sending the
than certain participation fees for a credit card account).
either
of
you
permit
to
use
this
Account:
(b)
Statements
and routing numbers to collect these checks
We also want to provide general description of your payment obligation:
and communications to any of you; and notice to one considered
sending draft drawn your bank taken bank
notice
Your credit card account requires you to make payment by the due date following
account on the same day we receive your payment. will keep your original
each billing cycle that you have balance. Your minimum
Authorized Users: you to issue a Card any other person, they are
check, just copy of
provided your account statement consistent with described
"Authorized may require certain information about may limit
You may use our optional services to make payments electronically through our
"Payments: Minimum Payment' section of your Account Terms.
your Card. They may have access to
website, our automated telephone service or our customer
will
be
responsible
for
all
Please see your Cardmember Agreement and Account Terms for additional
paying
Account
use these other for
User, You agree to notify each Authorized the time he
information on your payment obligation.
expedited payments made with advisor.
becomes Authorized User, that may receive, record, exchange and
the amount of the fee at the time you request the service. not responsible
For an oral disclosure, please 1-888-832-0059.
information or her in the same manner with about you
a payment made using our payment services is rejected paid.
26. FOR INFORMATION: For information about your Account, please
described
in
agreement.
still keep the fee.
customer telephone number on the monthly
want remove an Authorized User from your Account, you must contact
the
Customer
Service
10. Notices: For important information regarding your dispute billing
or write Attn: Credit Administrator, Milwaukee,
telephone
number
on
your
Statement
the
back
of
your
this Document for Future Use
request their removal. They will be able to have
of Agreement. notices
notified are removing them from Account.
This notice about your rights and our responsibilities under the Fair Credit
notices, must be sent to us, through agent. at Kohl's,
responsible for all amounts they charge responsible
Milwaukee.
addresses
these amounts do not appear
YOUR STATEMENT
satisfy the legal requirement
remove themselves from your Account upon request. reserve the remove
them from Account. To remove them from your Account, may close your
11. No Waiver By Us: reserve the right to delay or refrain
you think there is an error on your statement, write on
existing and issue a new Card with
our rights under this Agreement without losing them. example, can extend
the "Send Inquiries To" address shown on your billing statement.
the time for making certain payments without extending others can accept
In your letter, give us the following information:
When Effective: Your signature, including any electronic signature, on the
late or partial payments without waiving our right to have future payments made
Account information: name and account number.
application for this Account on any sales receipt, or your Account,
consent to the terms of this Agreement with us and your acknowledgement
Dollar amount: The dollar amount of the suspected error.
of this Agreement you. The information provide or have
12. Returned Payment Fee: We may charge you this fee each time payment
Description of problem: you think there is an error on your bill, describe what
previously provided on the application that identifies constitutes part of this
make not paid by your financial institution for any reason, even
you believe is wrong and why you believe mistake.
Agreement is incorporated reference. For new Account applicants, this
institution pays The returned payment
You must contact
Agreement
will
not
be
effective
until
we
approve
your
application,
and
then,
13.
Late
Payment
Fee:
We
may
charge
a
payment
fee
do
not
receive
at least the required minimum payment for any billing by the date and time
Within after the error appeared on your statement.
someone authorized by you charges purchase this Account.
due. Your late payment fee will be zero your
least business days before an automated payment is scheduled,
Billing Cycle, Paying Interest, Variable Rates, Annual Percentage Rates
Minimum Interest Charge, Promotional Credit Plans:
your balance is greater than $15 but less than $50.01, and $27 your balance
to stop payment the amount you think wrong.
greater than $50. The late payment fee not exceed the amount of your
You must notify of any potential errors in writing. You
Cycle/Statements. In order to manage your Account, we divide into
minimum
and
then
pay
late
next
are not required to investigate any potential errors and
billing cycles. approximately
consecutive billing cycles the late payment fee will be up until you have
the amount question.
each calendar month Account billing
paid minimum payment when due for consecutive
provide a billing statement ("Statement") each month one is required
RECEIVE
applicable Your Account will have billing ending in calendar
Default/Collection Costs. You will be in default any minimum
whether or not there Statement for that billing cycle.
payment by the time and date is due, you breach other promise
When receive your letter, we must do two things:
obligation under Agreement, you become incapacitated or you file
days of receiving your letter, we must tell you that received
Interest. begin assessing periodic interest charges transaction,
bankruptcy.
Subject
applicable
law,
also
consider
default
also tell you we have already corrected the error.
interest from the date added to your balance
this Agreement any time any statement made connection
Within days of receiving your letter. we must either correct the error
Agreement your Account is paid full. avoid
with this Account or other credit program with or misleading; if we
explain to you why we believe the correct.
purchases, provided you have paid your statement's entire Balance
information
indicating
that
you
are
bankrupt,
intend
or
are
(excluding balances on any Special Repayment Term Reduced
While investigate whether or not there has been an error:
unable pay your debts as they become receive
the due date each month Promotional Credit Plans). Your due date
conclude you no creditworthy. In evaluating
We cannot to collect the amount in question, or report you as delinquent
least after the close of each cycle.
that we may rely on information consumer reports, and
amount.
Variable Rate. The APR for Purchases and the Penalty may vary with changes
our discretion we may consider the amount of debt compared
The charge in question may remain on your statement, and may continue
the Prime Rate. We calculate variable APR by adding a margin to the
to your resources or any other of your credit characteristics, regardless of your
charge you interest on that amount.
Rate published in The Wall the last business of March,
performance on Account. In the event of default, subject
While not have to pay the amount in question, you are responsible for
September and December. calculated in this way will effective of the
under applicable we may demand you pay the entire
remainder of your balance.
day of the billing cycle that begins in the following month.
due.
the
Account
is
referred
to
attorney
you
agree
reasonable
APR for Purchases. The Prime Rate plus 20.74%, currently 24.99% (monthly
only to the extent and in the amount permitted applicable
can apply any unpaid against your credit limit.
periodic The APR and monthly periodic rate stated estimates
and costs also be recovered where permitted applicable
finish our investigation, one of two things will happen:
15. Your Credit Limit and Canceling or Limiting Your Credit: will assign a
we made a mistake: You will not have to pay the amount in question or any
credit to your Account. Your credit limit appears Statement. You are
interest or other fees related to that amount.
Penalty APR. The Prime Rate plus 23.74%, currently (monthly periodic
and monthly periodic rate stated are estimates the
responsible for keeping track of your Account balance any fees and
we believe there was mistake: You will have to pay the amount
Rate.
interest
charges
and
making
remains
question,
along
with
applicable
interest
and
fees.
We
statement
The Penalty will be applicable to your Account you:
not required to authorize charges that go over your credit must
of the amount and the date payment due.
amount over your credit limit and you must immediately
delinquent you do not pay the amount think you owe.
fail make any minimum payment by the date and time due or
Agreement
applies
to
any
balance
over
your
limit
change
you
receive
our
explanation
but
your
wrong,
you
write
make a payment to us that returned unpaid.
cancel your credit you ahead of time. excuse
within 10 telling us that you refuse pay. report
Before we apply the Penalty on any type of transaction or balance, we will
your obligations
you delinquent without also reporting that you questioning must
provide any notice required by law in advance that you which future
You may close your Account at any time. We may require you to provide a closure
tell
you
the
name
of
anyone
to
whom
we
reported
you
as
delinquent,
and
must
outstanding balances are subject the and when
writing. Except required by applicable
those organizations know when the matter has been settled between
increase.
or suspend your credit privileges or any feature on your Account time
do not follow all of the rules above. you do not have to pay the first of the
your APRs are increased on any type of transaction for any of the reasons
any
reason,
including
Account
inactivity,
without
notice.
Account
amount you question even your bill correct.
the Penalty APR be applicable indefinitely to future transactions of that
or suspend your credit privileges or any feature, for
consequences that result. you close authorized
RIGHTS DISSATISFIED CREDIT PURCHASES
occur more than 14 days after we provide you notice increase.
must stop using your Account immediately and destroy cards or return
you are dissatisfied with the goods or services that you have purchased with
we do not receive any minimum payment within 60 of the date and time
them upon request. You to be responsible charges to your
your credit card, and you have tried in good faith to correct the problem with the
due,
the
Penalty
APR
will
be
applicable
to
all
outstanding
balances
and
future
to the terms of this Agreement.
merchant, you may have the right not to pay the remaining amount due on the
transactions on your Account. However, if receive six minimum
Cards, Lost/Stolen Credit Cards and Liability Unauthorized Use:
purchase.
payments by the date and time beginning with the first due after the
effective date of the increase, applying the transactions
requested, any to
use all of the following must be true:
that occurred prior to or within after we provided about the APR
steals your means access
purchase must have been made in your home state or within 100 miles
increase
the
Amendments
section
Account without your permission. immediately.
of
about
our
your
current
rights
increase
and
make
mailing
address,
and
the
purchase
must
have
been
more
other changes your Account any reason.
1-800-564-5740 or write
than Neither of these necessary your purchase based
Account
after
us
Promotional Promotional
advertisement we mailed to you, own the company that sold
may privileges close appropriate.
the goods services.)
Credit Plans at the of your purchase. Only certain purchases
You agree to provide us information to help us find what happened. will
be eligible for Promotional Credit Plans. These plans repayment
be liable for unauthorized that you however,
2. You must used your credit card for the purchase. Purchases made with
terms and are conditioned on your timely payment of the payment
be liable for unauthorized that occurs before your notice
cash advances from an ATM or with a check that accesses your credit
amount
each
billing
cycle:
a.)
Reduced
Rate
Credit
liability will not exceed $50.
account not qualify.
will receive reduced APR your Special
Repayment Term Reduced APR repayment
17. Credit Information: We may obtain and use credit and income information
3. You must not have fully paid for the purchase.
be applied to the reduced Promotional Credit for the
about from consumer (credit) reporting agencies and other sources. We may
all of the criteria above are met and you are dissatisfied with the purchase,
specified
report information about you and your Account to credit reporting agencies.
on separate sheet the "Send Inquiries
request
additional
on
your
Account
for
others,
statement.
we
make than one purchase the balances for the Promotional
may
information as in the names of those people. you think
While we investigate, the same rules apply to the disputed amount as discussed
other balances. We
have
credit
reporting
agency
that
correct,
investigation. we decision.
certain program features limits your eligibility for
may
Credit
Administrator,
Milwaukee,
amount
not
pay,
we
may
report
delinquent.
Promotional
your
name,
address,
Account
number,
telephone
CMA-07/17
Rev. 09/2016
FACTS
WHAT DOES CAPITAL ONE® DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law
also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us.
This information can include:
What?
Social Security number and income
Account balances and payment history
Account transactions and credit card or other debt
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial
How?
companies can share their customers' personal information; the reasons Capital One chooses to share; and whether you can limit
this sharing.
Reasons we can share your
personal information
Does Capital One share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions,
maintain your account(s), respond to court orders and legal investigations, or report
Yes
No
to credit bureaus
For our marketing purposes - to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates' everyday business purposes - information about your transactions
Yes
No
and experiences
For our affiliates' everyday business purposes - information about your creditworthiness
Yes
Yes
For nonaffiliates to market to you
Yes
Yes
Call 1-800-564-5740 for customer service.
To limit
Please note:
our sharing
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we
continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1-800-564-5740 or go to http://www.kohlscorporation.com/customer_service/mykc/mykc.k
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Who we are
Who is providing this notice?
This notice is provided by Capital One with respect to your Kohl's credit card.
What we do
How does Capital One protect
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.
my personal information?
These measures include computer safeguards and secured files and buildings.
How does Capital One collect
We collect your personal information, for example, when you
my personal information?
Open an account or give us your contact information
Use your credit or debit card or pay your bills
Give us your income information
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Why can't | limit all sharing?
Federal law gives you the right to limit only
Sharing for affiliates' everyday business purposes - information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.
What happens when I limit
Your choices will apply to everyone on your account.
sharing for an account I hold
jointly with someone else?
Definitions
Affiliates
Companies related by common ownership or control. They can be financial or nonfinancial companies.
Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx and Greenpoint names, such as Capital One
Bank (USA), National Association; and Capital One National Association
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with can include insurance companies, service providers, retailers, data processors, and advertisers.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial
products or services to you.
Our joint marketing partners include companies such as insurance companies
Other important information
CA and VT Residents: We will not share your information with companies outside of Capital One, except for our everyday business purposes, for marketing our prod-
ucts and services to you or with your consent.
VT Residents Only: We will not disclose credit information about you within or outside the Capital One family of companies except as required or permitted by law.
Telephone Communications - All telephone communications with us or our authorized agents may be monitored or recorded.
The above notice applies only to your Kohl's Charge Accounts with Capital One and does not apply to any other accounts you have with the Capital One family of companies.
2016 Capital One. Capital One is a federally registered service mark.