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.
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 $38.
Returned Payment
Up to $38.
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 3.25% Prime Rate.
a. We add 21.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.08%).
The information about the costs of the credit card account described above is accurate as of April 1, 2020. 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
maintain separate histories on each individual upon
on this account will be incurred in the interest of your
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
periods.
all financial institutions to obtain, verify, and record
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.
KOHL'S CARDMEMBER AGREEMENT
Payments:
inactive for a period of your Account becomes due and you
This agreement "Agreement" governs your Kohl's credit card account ("Account")
Minimum Payment. You must make your minimum payment in way that we
make current for period of time. Our print marketing offers cannot be sent
with Please keep this Agreement for your records. You agree with us that the
receive by the time and date due. The minimum payment for Account
addresses
outside
of
the
United
States
or
Canada
or
to
military
addresses.
following terms apply to your Account.
includes the minimum payment due each Credit Plan. You may make payments
offers be forwarded by the postal service, update
Capital One, and Kohl's may exchange information about you and your
greater than your required minimum payment. This reduce the interest
your address after moving in order to continue receiving offers. you need
that added to your Account.
update your address or any of your contact information or would like to
Account(s) that you can receive the benefits of the Kohl's Charge program
of receiving our print marketing offers, please call the customer telephone
and so Kohl's can inform you of additional information, offers and
Your minimum payment will be the larger
number on your card or statement.
opportunities.
than or of the
1. Definitions and Card Usage: In this Agreement, the words and
on any Special Repayment Term Reduced APR Promotional Plan), plus the
20. Communications: You agree that we may communicate with you by mail,
"cardmember"
each
who
applies
for
periodic interest charges, plus amount required under Special Repayment
telephone, email, fax, prerecorded message, automated voice, text message,
person
the
Account
and
Term Reduced APR Promotional Credit penalty fees billed on the
other means allowed by regarding your Account. You authorize or anyone
agrees liable on the Account. The words and refer
Statement for which your minimum payment is calculated. will also add
acting
on
our
behalf,
to
call
or
number
Capital One, the creditor and issuer of the Account and any other person
whom
this
Agreement
be
assigned.
amount past due to your minimum payment. In addition to the minimum payment,
number where we reasonably believe contact you. include
Department Stores, Inc. Dr., Menomonee Wisconsin
you may pay or part of the total balance on your Account.
mobile, cellular, or similar devices, and calls automatic telephone dialing
at least the minimum payment amount month, even you paid more than the
systems and/or prerecorded messages. We may also send an email any address
53051. Kohl's is servicing our behalf and is also referred to alone
together
with
others
agent.
The
the
you
minimum payment on the previous Statement.
where we reasonably believe contact you. You agree that monitor
record conversation or other communication with you.
under this Agreement that may be used to make purchases Kohl's. You agree
How Apply Your Payments. In each cycle, generally
that all purchases made using the Account shall be only for personal, family,
up to your minimum payment amount to satisfy the minimum payment due
21. Established Business Relationship: You further agree that you have an
household
purposes.
"Credit
means
any
plan
may
establish
and
make
each
Credit
Plan,
first
the
Credit
Plan
balance
and
then
to
lower
established business relationship with us and with Kohl's and that both
available your unique annual percentage
APR Credit Plan balances. We will apply any part your exceeding your
contact you from time to time regarding your Account and products and services
or other terms. The sum of your Credit Plan balances equals your total Account
minimum payment first to the balance with the highest and to balances
Kohl's believes may be you.
balance. "New Balance" means the amount displayed as the New Balance each
with
are not unsolicited and may be monitored to assure quality service.
Statement.
Payment Instructions. You agree to pay amounts you owe dollars. You
22. GOVERNING LAW: THE TERMS ENFORCEMENT AGREEMENT
2. Amendments: We have the right to change the terms of this Agreement
must check, money order or electronic
ACCOUNT SHALL BE GOVERNED AND INTERPRETED ACCORDANCE
for any reason, and in any respect, by adding, deleting or modifying any
bank branch in the will accept cash payments through the mail. When
FEDERAL
APPLIES.
OF
VIRGINIA.
provision, including APRs, fees, the minimum payment and other terms. We
receive apply payment, might restore your credit amount
WITHOUT REGARD TO PRINCIPLES. THE OF VIRGINIA,
can add new provision without regard to whether the provision with
for
WHERE ACCOUNT LOCATED, APPLY WHERE
already addressed by this Agreement.
For mailed payments, your Statement and the envelope it comes in give you
In certain circumstances, we are required by law to notify of changes
instructions
how,
when
and
where
to
make
your
payments.
You
must
follow
23. Assignment: We assign your Account, amounts you or of
to the terms of this Agreement, and in other circumstances may not
these instructions. Your payment will not be credited to your before
our rights and obligations under this Agreement third party. The person to whom
required When required by law to advise you have legal
receive the address specify for receipt payments with
we make the assignment entitled to any of to that
reject any changes we make, we will provide an explanation about
the payment instructions.
person. You may not assign this Account.
how that.
Payments made in store by close of business will be credited as of date payment
24. Enforcing this Agreement: We can delay enforcing or not enforce any of our
In some circumstances, APRs or other aspects of your Account may change
was received.
under this Agreement without losing our right to enforce them the future.
even though the terms of the Account do not change, for example when the
any of the terms of this Agreement found be unenforceable, other terms
Prime Rate changes.
you make payment marked as paid indicate that amounts
will remain force.
you owe us, you must send that payment to the special address the back
3. Account Information: request certain information about you to manage your
your Statement. That address called the "Conditional Payments'
25. Military Lending (MLA)
Account. includes:
accept conditional payment and not agree that pays you owe
Federal law provides important protections to members of the Armed Forces and
your Account. Also, we may return a conditional payment to and you
their dependents relating to extensions of consumer credit. In general, the
(2) valid mailing address and residential address different);
owe us the amount of the payment or any other amounts owed Account.
of consumer credit to a member of the Armed Forces and his her dependent
You authorize us to collect any payment check either electronically or by draft. We
may not exceed an annual percentage of percent. This
(4) your number or other government identification number;
collect payment checks electronically sending number, check
as
applicable
to
the
account,
the
costs
associated
with
credit
(5) your telephone and phone number(s);
amount,
account
and
routing
numbers
to
your
bank.
Or
collect
these
checks
insurance premiums; fees for ancillary products sold in connection the credit
(6) your income information; and
by sending your
transaction; application fee charged (other than certain application
your email address.
account on the same day we receive your payment. your
specified credit transactions accounts): and any participation (other
If you change your contact information such as any mailing address, telephone
check, just copy
than certain participation fees for a credit card account).
number or email address, must notify us immediately in writing at the address
You may use our optional services to make payments electronically through our
To hear this same disclosure and general description obligations
shown your Statement.
website, our automated telephone service or our customer service advisors. You
for this credit card account, please call
We may obtain telephone and cell phone numbers, mailing address and email
do not to these other and
During any period in which the Military Lending Act ("the applies to you,
address information from you, third parties, caller ID and other sources. We may
expedited payments made with customer advisor. will
provision of your Cardholder Agreement that is inconsistent with shall
accept mailing address corrections from the United States Postal Service, third
amount of the fee at the time you request the service. We are not responsible
and your Cardholder Agreement shall be interpreted to
parties and other sources.
payment using our payment services is rejected or not paid.
may still keep the fee.
Your Cardholder Agreement shall be interpreted to comply with Lending
Promise to Pay: In return for extending credit you this Account from time
including
the
Military
Lending
Act's
restrictions
on
permissible
terms
agree to for all goods and services charge Account, plus
10. Notices: For important information regarding your dispute billing
on interest and fees for customers covered the Military Lending
any interest, fees and other charges forth below, according to the of this
excess interest or fees charged or excess amounts collected shall credited
Agreement
than
person
has
applied
liable
your of this Agreement. notices relating to actions,
refunded. provision of your Cardholder Agreement that inconsistent with
(a) each of will be responsible for paying incurred by either of you
notices, must be sent at Kohl's,
Lending
or anyone either of you permit to use this Account: provide Statements
Milwaukee, addresses
and communications to any of you; and (c) notice to one of you will considered
will not satisfy the legal requirement provide us with notice.
FOR INFORMATION: For information about your Account, please call the
customer service telephone number on the back monthly statement,
notice to
11. No Waiver By Us: We reserve the delay or refrain enforcing any
Kohl's, Attn: Credit Administrator, Milwaukee,
Authorized Users: you us to issue Card other person, they are an
our rights under this Agreement without losing them. For example, we can extend
the time for making certain payments without extending others
Keep this Document for Future
"Authorized User. We may require certain information about them. may limit
their use your Card. They may have access to certain information about
late or partial payments without waiving our future payments made
This notice tells you about your rights and our responsibilities under the Fair Credit
Account. will be responsible for paying all charges on Account made
when they
by an Authorized User, You agree to notify each Authorized User,at the time he
12. Returned Payment Fee: We may charge you this fee each time payment
YOU YOUR STATEMENT
she becomes an Authorized User, that we may receive, record, exchange and use
you make not paid by your financial institution for any reason,
you
think
there
is
an
error
on
your
statement,
write
on
information about or her in the same manner do with information about you
institution later pays The returned payment fee
the "Send Inquiries To" address shown on your billing statement.
as described in this agreement.
13. Late Payment Fee: We may charge a late payment not receive
your letter, give us the following information:
remove
an
Authorized
User
from
your
Account,
you
must
contact
us
the required minimum payment for any billing cycle by the and time
the Customer Service telephone number on your Statement on the back of your
due. Your late payment fee will be zero your balance
Account information: Your name and account number.
Card and request their removal. They will be able to use have
balance is greater than but less than $50.01, your balance
Dollar amount: The dollar amount of the suspected error.
notified
that
are
removing
them
from
your
Account.
During
you
greater
than
$50.
The
late
payment
fee
will
not
exceed
the
amount
of
your
Description of problem: you think there an error on your describe
still responsible to responsible
due. you and then next
you believe is wrong and why you believe mistake.
these Authorized
cycles the late payment fee will be you have
remove
themselves
from
your
Account
request.
reserve
the
to
remove
paid your minimum payment when due for six consecutive cycles.
must contact
them from your Account. To remove them from your Account, close your
14.
Default/Collection
Costs.
You
will
be
in
default
existing Account and issue new Card with a new number.
pay
any
minimum
Within 60 days after the error appeared on your statement.
the time and date due, you breach other promise or
business days before an automated payment scheduled, you
6. When Effective: Your signature, including any electronic signature, on the
obligation under this Agreement, you become incapacitated or you file
stop payment on the amount you think is wrong.
application
for
this
Account
on
any
sales
receipt,
or
your
Account,
for bankruptcy. Subject to applicable law, we may also consider default
your consent to the terms of this Agreement with us and your acknowledgement
You must notify of any potential errors in writing. You may but you
Agreement any time any statement made by connection
of delivery of copy of this Agreement to you. The information provide or have
with this Account any other credit program with us was false misleading;
are not required to investigate potential errors and you have to
previously provided on the application that identifies you constitutes part of this
the amount question.
receive information indicating that bankrupt, intend bankruptcy, or are
Agreement and incorporated in by reference. For applicants, this
unable pay your debts as they become or receive
RECEIVE
Agreement will not be effective until we approve your application, then, after
to conclude that you no longer creditworthy. evaluating
When we receive your letter, we must do two things:
that only you someone authorized by you charges purchase this Account.
you agree that we may rely on information contained in consumer reports,
7. Billing Cycle, Paying Interest, Variable Rates, Annual Percentage Rates
our discretion we may consider the amount of debt you
days of receiving your letter, we must tell you that we received your
("APR"), Minimum Interest Charge, Promotional Credit Plans:
to your resources or any other of your credit of your
also tell you we have already corrected the error.
performance on this Account. In the event of default, subject
Within 90 days of receiving your letter, we must either correct the error
Billing Cycle/Statements In order to manage your Account, time into
have under applicable we may demand that you pay the entire unpaid balance
explain to you why we believe the correct.
billing cycles. Each billing cycle is approximately one length.
due.
the
Account
is
referred
to
an
attorney,
you
agree
to
reasonable
calendar month billing month.
While we investigate whether or not there has been an error:
attorney's fees, but only to the extent and in the amount permitted by applicable
We will provide a billing statement ("Statement") each month one is required
law, and court costs also be recovered where permitted applicable
We cannot to collect the amount in question, or report you as delinquent
applicable law. Your Account will billing cycle ending in calendar month
that amount.
whether or not there is a Statement for that billing cycle.
15. Your Credit Limit and Canceling or Limiting Your Credit: We assign
credit
to
your
Account.
Your
credit
appears
on
your
Statement.
You
are
The charge in question may remain on your statement, and we may continue
Paying Interest. We begin assessing periodic interest transaction, fee,
responsible for keeping track of your Account balance including any fees and
charge you interest on that amount.
or
interest
charge
from
the
date
to
your
daily
balance
described
interest charges and making sure below your
While you do have to pay the amount in question, are responsible for
Agreement until your Account is paid avoid charges
not required to authorize charges that your credit You must
remainder of your balance.
new purchases, provided you have paid statement's entire New Balance
amount over your credit limit and you us immediately
(excluding
balances
on
any
Special
Repayment
Credit
Plan)
SO. Agreement applies to any balance over your or
apply any unpaid amount against your credit limit.
the due date each month (see Promotional Your due date at
credit limit you ahead of time. excuse
finish our investigation, one of two things will happen:
after the close of each billing cycle.
your obligations
we made a mistake: You will not have to pay the amount in question or any
Variable Rate. The APR for Purchases may vary with changes the Prime Rate. We
You may close your Account at any time. We may require you to provide a closure
interest or other fees related to that amount.
calculate variable APR by adding margin to the Prime Rate published The
request
writing.
required
by
applicable
law.
Street Journal on the last business day of March, June, September and December.
we do not believe there was a mistake: You will have to pay the amount
or suspend your credit privileges or any feature on your Account time for
calculated in way will be effective as the of the billing cycle
question, along with applicable interest and fees. send statement
any reason, including Account inactivity, without notice. close Account
that begins the following month.
the amount and the date payment
or
suspend
your
credit
privileges
or
any
feature,
be
liable
to
delinquent you pay the amount we think
APR for Purchases. The Prime Rate plus currently (monthly
consequences that result. you close your Account, and
receive
explanation
believe
The APR and monthly
must stop using your Account immediately and destroy all cards or return
you
our
your
wrong,
write
to
on 3.25% Rate.
them upon request. You continue to be responsible for charges to your
within 10 days telling us you still refuse pay. you cannot report
Account according to the terms of this Agreement.
delinquent without also reporting that questioning We must
Promotional Credit Plans. From time more Promotional
you
the
name
of
anyone
to
whom
reported
you
delinquent,
and
we
must
Credit prior to at the time purchase. Only certain purchases
Lost/Stolen Credit and Liability Unauthorized Use:
let those organizations know when the matter has been settled between
eligible for Promotional These plans may have special repayment
requested, to return card issued you. lose or
terms and are conditioned on your payment of payment
or means access Account. or
If we do not follow all of the rules above, you do not have to pay the first $50 of the
amount each billing cycle: a.) Reduced Rate plan,
without permission, you immediately.
amount you question even your bill correct.
will receive reduced APR your purchase specified Special
DISSATISFIED PURCHASES
Repayment Term Reduced APR plan, repayment
us.
you
are
dissatisfied
with
the
goods
or
services
that
you
have
purchased
term be applied to the reduced Promotional Credit purchase for the
may your your appropriate.
credit card, and you have tried good faith to correct the problem with
specified period.
You
agree
to
provide
us
information
to
help
us
find
out
happened.
You
will
merchant, you may have the right not to pay the remaining amount due on
If you make one purchase your card, the balances for the Promotional
be liable for any unauthorized use that occurs after however,
purchase.
Plan purchases other balances.
be liable for unauthorized that occurs your notice
you if your participation in certain program limits your eligibility for any
liability will exceed
right, all of the following must be true:
Promotional Credit
17. Credit Information: We may obtain and use credit and income information
The purchase must have been made in your home state or within 100 miles
Minimum Interest Charge. We may charge no less than the minimum interest
about from consumer (credit) reporting agencies and other sources.
mailing address, and the purchase price must been more
report information about you and your Account to credit reporting agencies.
than
Neither
of
these
are
necessary
your
purchase
based
charge of any periodic interest due for
you
request
additional
cards
on
your
Account
for
others,
we
report
Account
an advertisement we mailed to you, own the company that sold you
8. Periodic Interest Charge Calculation Balance (Including
information in your well as in the names of those think
the
New
Purchases):
We
figure
the
periodic
interest
charges
your
we have reported information to credit reporting agency
You must have used your credit card for the purchase. Purchases made with
applying the applicable monthly periodic rates to the "average daily balance'
may write Kohl's, Credit Administrator, Milwaukee,
cash advances from an ATM or with a check that accesses your credit
your Account (including current transactions). To get the "average balance'
Please include your name, address, Account number, telephone
account qualify.
for
balance
type
(balances
Promotional
Credit
Plans
and
balances
for
other
number and brief description of the problem and copy of the credit reporting
amounts), we take the beginning balance of each applicable each day,
agency report have investigate the matter. shows
3. You must not yet paid for the purchase.
add any new purchases, unpaid interest charges, fees, other charges and debit
that right, we will contact each credit reporting agency which reported
all of the criteria above are met and you are still dissatisfied with the purchase,
adjustments then subtract any payments, credits or credit adjustments. This gives
the information and will request the report. disagree after
contact us writing on separate sheet at the "Send Inquiries To" address shown
balances. Then, up all the daily balances for each balance
our investigation, we will you in writing or by telephone.
billing statement.
and divide the total by the number of days in the billing cycle. This gives us the
"average balance" for each balance
Credit Balances: You may request refund of any balance any time.
While we investigate, the same rules apply to the disputed amount as discussed
will apply to any new charges on your Account or provide the
investigation, decision.
On the of each billing cycle add to the daily balance the periodic
to you as required by law.
think amount and pay, we may report you delinquent.
interest charges from the prior billing cycle (in this way compound
Credit Marketing: you are eligible to receive Kohl's Charge marketing
reserved.
monthly basis). Purchases and fees are added to your daily balance as of the
transaction date or later date of our choice.
offers, in its discretion, suspend your offers under the following
circumstances, without limitation: Account limited activity or becomes
CMA-04/20
Rev. 04/2020
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 855-270-6626 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 855-270-6626 or go to http://www.kohlscorporation.com/customer_service/mykc/mykc.html
Page 2
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 I 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 | limit
Your choices will apply to everyone on your account.
sharing for an account | 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, Paribus, Wikibuy 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.
2020 Capital One. Capital One is a federally registered service mark.