INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR)  
for Purchases
Penalty APR and When It Applies 24.9%b This APR will vary with the market based on the Prime Rate. This 

a
21.9%
 This APR will vary with the market based on the Prime Rate.

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.

Paying Interest 

Minimum Interest Charge
For Credit Card Tips from the 
Federal Reserve Board

Your due date will be a minimum of 25 days following the close of each 
billing cycle. We will not charge you periodic interest on any portion of 
new purchases, so long as your current statement shows that we received 
payment of the entire balance for your previous statement by the time the 
Minimum Payment was due.
If you are charged periodic interest, the charge will be no less than $1.00.
To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Federal Reserve Board at http://www.federalreserve.gov/
creditcard.

FEES
Annual Fee
Penalty Fees
            Late Payment
            Returned Payment

None

Up to $35
Up to $35

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 18.65% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 1.825%).
  b. We add 21.65% to the Prime Rate to determine the Penalty APR (monthly periodic rate currently 2.075%).

Authorization: When you apply for a Kohl’s credit card from 
Capital One, N.A. (“Capital One”,“we”, or “us”), you agree to 
the following:
1. You authorize us to obtain credit bureau reports in connection 
with your request for an account. If an account is opened, we 
may obtain credit bureau reports in connection with extensions 
of credit or the review or collection of your account. If you ask, 
we will tell you the name and address of each credit bureau 
from which we obtained a report about you.
2. By using the account or any card, or authorizing their use, 
you agree to the terms of the Cardmember Agreement. If you 
open your account in a Kohl’s store you acknowledge receipt 
of this disclosure and a copy of the Cardmember Agreement 
before your first purchase.
3. As described in the Cardmember Agreement, we reserve the 
right to change the terms of your account (including the APRs) 
at any time, for any reason.
4. We will review your credit history to determine if you qualify 
for an account and, if so, your credit line. Based on this review, 
you may not receive a card.
5. You must be at least 18 years old to qualify (19 in AL and NE).
Ohio Residents: The Ohio laws against discrimination require 

that all creditors make credit equally available to all customers, 
and that credit reporting agencies maintain separate histories 
on  each  individual  upon  request.  The  Ohio  Civil  Rights 
Commission administers compliance with the law.
New York and Vermont Residents: Capital One may obtain 
at  any  time  your  credit  reports,  for  any  legitimate  purpose 
associated with the account or the application or request for 
an account, including but not limited to reviewing, modifying, 
renewing  and  collecting  on  your  account.  On  your  request, 
you will be informed if such a report was ordered. If so, you 
will be given the name and address of the consumer reporting 
agency furnishing the report. New York residents may contact 
the New York State Banking Department (1-800-518-8866) for 
a comparative list of credit card rates, fees and grace periods.
California Residents: Applicants: 1) may, after credit approval, 
use the credit card account up to its credit limit; 2) may be liable 
for amounts extended under the plan to any joint applicant. As 
required by law, you are hereby notified that a negative credit 
report reflecting on your credit record may be submitted to a 
credit  reporting  agency  if  you  fail  to  fulfill  the  terms  of  your 
credit obligations. 
Notice  to  Married  Wisconsin  Residents:  No  provision  of 
any marital property agreement, unilateral statement or court 

decree adversely affects our rights, unless you give us a copy of 
such agreement, statement or court order before we grant you 
credit, or we have actual knowledge of the adverse obligation. 
All obligations on this account will be incurred in the interest 
of  your  marriage  or  family.  You  understand  that  we  may  be 
required to give notice of this account to your spouse. Married 
Wisconsin  residents  must  furnish  their  (the  applicant’s) 
name and social security number as well as the name and 
address of their spouse to Kohl’s, PO Box 3120, Milwaukee, 
WI 53201.
Omission of any information requested on the application may 
be reason for denial of an account.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING 
A NEW ACCOUNT
To  help  the  government  fight  the  funding  of  terrorism  and 
money laundering activities, Federal law requires all financial 
institutions  to  obtain,  verify,  and  record  information  that 
identifies each person who opens an account.
What this means for you: When you open an account, we will 
ask for your name, address, date of birth, and other information 
that will allow us to identify you. We may also ask to see your 
driver’s license or other identifying documents.

KOHL’S CARDMEMBER AGREEMENT
This agreement (“Agreement”) governs your Kohl’s credit card 
Account (“Account”) with us. Please keep this Agreement for 
your records. You agree with us that the following terms apply 
to your Account.

1. Definitions and Card Usage: In this Agreement, the words 
“you”, “your”, and “cardmember” refer to each person who 
applies  for  the Account  and  each  person  who  agrees  to  be 
liable on the Account. The words “we,” “us,” and “our” refer 
to  Capital  One,  N.A.,  the  creditor  and  issuer  of  the Account 
and  any  other  person  to  whom  this  Agreement  and/or  the 

Account may be assigned. “Kohl’s” means Kohl’s Department 
Stores, Inc., N56 W17000 Ridgewood Dr., Menomonee Falls, 
Wisconsin  53051.  Kohl’s  is  servicing  your  account  on  our 
behalf and is also referred to alone or together with others as 
an agent. The word “card” means the card issued to you under 
this Agreement that may be used to make purchases at Kohl’s. 

1

You agree that all purchases made using the Account shall be 
only for personal, family, or household purposes. 
2. Amendments: We have the right to change the terms 
of this Agreement for any reason, and in any respect, by 
adding, deleting or modifying any provision, including 
APRs, fees, the Minimum Payment and other terms. We 
can add a new provision without regard to whether the 
provision  deals  with  a  matter  already  addressed  by 
this Agreement.
In certain circumstances, we are required by law to notify 
you  of  changes  to  the  terms  of  this  Agreement,  and  in 
other  circumstances  we  may  not  be  required  to  do  so. 
When required by law to advise you that you have a legal 
right to reject any changes we make, we will provide an 
explanation about how to do that. 
In  some  circumstances,  APRs  or  other  aspects  of  your 
Account  may  change  even  though  the  terms  of  the 
Account do not change, for example when the Prime Rate 
changes or the Penalty APR becomes applicable. See the 
Penalty  APR  section  about  our  right  to  increase  APRs 
on  outstanding  balances  and/or  future  transactions  for 
events of default including late payment.
3.  Promise  to  Pay  and  Authorized  Users:  In  return  for 
extending credit to you on this Account from time to time, you 
agree to pay us for all goods and services you charge to this 
Account, plus any interest, fees and other charges set forth 
below, according to the terms of this Agreement. If more than 
one person has applied for or is liable on this Account, each 
of  you  will  be  responsible  for  paying  all  charges  incurred 
by either of you or anyone either of you permit to use this 
Account.  If  you  allow  someone  to  use  this  Account,  that 
person will be an authorized user. You should think carefully 
before  letting  anyone  become  an  authorized  user  because 
you are allowing that person to use the Account as you can. 
You will remain responsible for your Account and each card 
issued on your Account. This includes your responsibility for 
paying all charges on your Account made by an authorized 
user.
4.  When  Effective:  Your  signature,  including  any  electronic 
signature, on the application for this Account or on any sales 
receipt,  or  your  use  of  this  Account,  is  your  consent  to  the 
terms of this Agreement with us and your acknowledgement 
of delivery of a copy of this Agreement to you. The information 
you  provide  or  have  previously  provided  on  the  application 
that identifies you constitutes a part of this Agreement and is 
incorporated  in  it  by  reference.  For  new Account  applicants, 
this  Agreement  will  not  be  effective  until  we  approve  your 
application,  and  then,  after  that  only  if  you  or  someone 
authorized by you charges a purchase to this Account. 
5.  Billing  Period,  Paying  Interest,  Variable  Rates,  Annual 
Percentage Rates (“APR”), Minimum Interest Charge:
Billing Period/Statements. In order to manage your Account, 
we divide time into periods called billing periods. Each billing 
period is approximately one month in length. For each calendar 
month your Account will have a billing period ending in that 
month. We will provide a billing statement (“Statement”) each 
month  one  is  required  by  applicable  law.  Your  account  will 
have a billing period ending in each calendar month whether 
or not there is a Statement for that billing period.
Paying Interest. We begin assessing periodic interest charges 
on  a  transaction,  fee,  or  interest  charge  from  the  date  it  is 
added  to  your  daily  balance  as  described  in  this Agreement 
until  your  Account  is  paid  in  full.  Your  due  date  will  be  a 
minimum of 25 days following the close of each billing cycle. 
You  can  avoid  periodic  interest  charges  on  new  purchases 
when  they  are  first  billed  to  a  Statement,  as  follows.  If  you 
receive  a  current  monthly  Statement  that  includes  new 
purchases, and then make a payment that we receive by the 
date and time the Minimum Payment is due for that Statement, 
we will not charge periodic interest on any portion of the new 
purchases, so long as your current Statement also shows that 
we received payment of the ending balance for your previous 
month’s Statement by the date and time its Minimum Payment 
was due or that the ending balance for your previous month’s 
Statement was zero. 
Variable  Rate.  The APR  for  Purchases  and  the  Penalty APR 
may  vary  with  changes  to  the  Prime  Rate. We  calculate  the 
APR by adding a margin to the Prime Rate published in The 
Wall Street Journal on the last business day of the calendar 
quarter  (January-March,  April-June,  July-September,  and 
October-December) and will be effective for all billing cycles 
beginning in the following calendar quarter. The “Prime Rate” 
is the (U.S.) Prime Rate published in the Money Rates section 
of The Wall Street Journal. The Prime Rate is merely a pricing 
index.  It  is  not  the  lowest  or  the  best  interest  rate  available 
to a borrower at any particular bank at any given time. If The 
Wall Street Journal stops publishing the Prime Rate, we will 
select a similar reference rate and inform you on your billing 
statement  or  through  a  separate  notice.  A  “margin”  is  the 

percentage  we  add  to  the  Prime  Rate  to  calculate  the APR. 
A “business day” is any day that is not a weekend or federal 
holiday. If the monthly periodic rate increases, you will have to 
pay a higher periodic interest charge and may have to pay a 
higher minimum payment.
APR for Purchases. The Prime Rate plus 18.65%, currently 
21.9%  (monthly  periodic  rate  1.825%).  The  APR  and 
monthly  periodic  rate  stated  are  estimates  based  on  the 
3.25% Prime Rate.
Penalty APR. The Prime Rate plus 21.65%, currently 24.9% 
(monthly periodic rate 2.075%). The APR and monthly periodic 
rate stated are estimates based on the 3.25% Prime Rate.
The Penalty APR will be applicable to your account if you: 
    A.  fail to make any Minimum Payment by the date and time 

due (late payment) or 

    B. make a payment to us that is returned unpaid.
Before we apply the Penalty APR on any type of transaction 
or  balance,  we  will  provide  you  any  notice  required  by  law 
in  advance  that  tells  you  which  future  transactions  and/or 
outstanding balances are subject to the Penalty APR and when 
the APRs will increase. If we do not increase your APRs to the 
Penalty APR when any of these events occur, we reserve our 
right to increase your APRs to the Penalty APR if any of these 
events occur in the future.
If your APRs are increased on any type of transaction for any of 
the reasons above, the Penalty APR will be applicable indefinitely 
to future transactions of that type that occur more than 14 days 
after we provide you notice about the APR increase. 
If we do not receive any Minimum Payment within 60 days of 
the date and time due, the Penalty APR will be applicable to all 
outstanding balances and future transactions on your Account. 
However, if we receive six consecutive Minimum Payments by 
the date and time due beginning with the first payment due 
after the effective date of the increase, we will stop applying 
the Penalty APR to transactions that occurred prior to or within 
14 days after we provided you notice about the APR increase. 
See  the  Amendments  section  about  our  rights  to  increase 
APRs and make other changes to your Account for any reason.
Minimum Interest Charge. We may charge no less than the 
minimum interest charge of $1.00 if any periodic interest is 
due for a billing period. 
6.  Periodic  Interest  Charge  Calculation  –  Average  Daily 
Balance (Including New Purchases): We figure the periodic 
interest  charges  on  your  account  by  applying  the  monthly 
periodic rate to the “average daily balance” of your account 
(including  current  transactions).  To  get  the  “average  daily 
balance”  we  take  the  beginning  balance  of  your  account 
each  day,  add  any  new  purchases,  unpaid  interest  charges, 
fees, other charges and debit adjustments, then subtract any 
payments, credits or credit adjustments. This gives us the daily 
balance. Then, we add up all the daily balances for the billing 
cycle and divide the total by the number of days in the billing 
cycle. This gives us the “average daily balance.”
On  the  first  day  of  each  billing  period  we  add  to  the  daily 
balance  the  unpaid  periodic  interest  charges  from  the  prior 
billing period (in this way we compound interest on a monthly 
basis). Purchases and fees are added to your daily balance as 
of the transaction date or a later date of our choice.
7. Payments:
Minimum Payment. You must make your Minimum Payment 
in a way that we receive it by the time and date it is due. You 
may  make  payments  greater  than  your  required  Minimum 
Payment. This will reduce the interest charges that are added 
to your Account. 
Your Minimum Payment will be the largest of: i) $25 (or total 
amount you owe if less than $25); or ii) the sum of 1% of the 
New Balance, plus the periodic interest charges and late fees 
billed on the statement for which your Minimum Payment is 
calculated. As part of the Minimum Payment we will also add 
any amount past due.
How  We  Apply  Your  Payments.  We  apply  your  minimum 
payments  to  lower  APR  balances  before  higher  ones.  We 
apply any portion of your payment, in excess of your minimum 
payment, to higher APR balances before lower ones.
Payment  Instructions.  You  agree  to  pay  us  amounts  you 
owe  in  U.S.  dollars. You  must  use  a  check,  money  order  or 
electronic debit drawn on a U.S. bank or a foreign bank branch 
in the U.S. We will not accept cash payments through the mail. 
When  we  receive  or  apply  a  payment,  we  might  not  restore 
your credit line by that amount for up to 15 days.
For mailed payments, your billing statement and the envelope 
it comes in give you instructions about how, when and where 
to  make  your  payments. You  must  follow  these  instructions. 
Your payment will not be credited to your Account before we 
receive it at the address we specify for receipt of payments 
and in accordance with the payment instructions. 

2

If  you  make  a  payment  marked  as  paid  in  full  or  indicate 
that  it  is  to  pay  all  amounts  you  owe  us,  you  must  send 
that  payment  to  the  special  address  on  the  back  of  your 
statement. That address is called the “Conditional Payments” 
address.  We  may  accept  a  conditional  payment  and  not 
agree that it pays all amounts you owe on your Account. Also, 
we may return a conditional payment to you and you will still 
owe  us  the  amount  of  the  payment  or  any  other  amounts 
owed on your Account.
You  authorize  us  to  collect  any  payment  check  either 
electronically or by draft. We can collect your payment checks 
electronically  by  sending  the  check  number,  check  amount, 
account and routing numbers to your bank. Or we can collect 
these checks by sending a draft drawn on your bank account. 
Funds may be taken from your bank account on the same day 
we receive your payment. We will not keep your original check, 
just a copy of it.
You  may  use  our  optional  services  to  make  payments 
electronically through our website, our automated telephone 
service or our customer service advisors. We will provide the 
terms for these payment services before you use them.
8. Legal Notices: For important information regarding your 
right  to  dispute  billing  errors  under  federal  law,  see  the 
section marked “Your Billing Rights” that accompanies your 
copy of this Agreement. All notices relating to legal actions, 
including bankruptcy notices, must be sent to us, through our 
agent, at Kohl’s, ATTN: Credit Administrator,  P.O. Box  3043, 
Milwaukee, WI, 53201-3043. Legal notices sent to any other 
addresses  will  not  satisfy  the  legal  requirement  that  you 
provide us with notice.
9. No Waiver By Us: We reserve the right to delay or refrain 
from enforcing any of our rights under this Agreement without 
losing them. For example, we can extend the time for making 
certain payments without extending others or we can accept 
late or partial payments without waiving our right to have future 
payments made when they are due.
10.  Returned  Payment  Fee:  If  any  check,  instrument,  or 
electronic authorization used to pay the amount you owe under 
this  Agreement  is  returned  unpaid  upon  first  presentment 
(“returned  payment”),  even  if  the  returned  payment  is  later 
honored, we may charge you a returned payment fee of $25. If 
you have a returned payment and then have another returned 
payment  in  any  of  the  next  six  consecutive  billing  periods 
the  returned  payment  fee  will  be  up  to  $35.00  until  you 
have gone six consecutive billing periods without a returned 
payment. The  returned  payment  fee  cannot  be  greater  than 
the Minimum Payment due immediately prior to the date on 
which your payment was returned. You agree that this fee will 
be added to the outstanding balance on your Account.
11. Late Payment Fee: We may charge a late payment fee if 
we do not receive at least the required Minimum Payment for 
any billing period by the date and time it is due. If the amount 
of the late payment fee is based on a balance, we will use the 
total Account balance at the end of the day that the late fee is 
charged to calculate the fee. This date may be as early as the 
due date for the late payment. Your late payment fee will be 
$15 if your balance is greater than $15 but less than $50.01, 
and $25 if your balance is greater than $50, however, if your 
balance is $15 or less you will not be charged a late payment 
fee. If you pay late and then pay late again in any of the next 
six consecutive billing periods the late payment fee will be up 
to $35.00 until you have paid your Minimum Payment when 
due for six consecutive billing periods. The late payment fee 
cannot  be  greater  than  the  Minimum  Payment  due  for  the 
billing  period  for  which  your  payment  was  late. We  will  add 
any late fee to the balance due on your Account.
12.  Default/Collection  Costs.  You  will  be  in  default  if  you 
fail to pay any Minimum Payment by the time and date it is 
due, if you breach any other promise or obligation under this 
Agreement, if you become incapacitated or die, or if you file for 
bankruptcy. Subject to applicable law, we may also consider 
you to be in default under this Agreement at any time if any 
statement made by you to us in connection with this Account 
or any other credit program with us was false or misleading; 
if  we  receive  information  indicating  that  you  are  bankrupt, 
intend to file bankruptcy, or are unable to pay your debts as 
they  become  due;  or  we  receive  information  leading  us  to 
conclude that you are no longer creditworthy. In evaluating your 
creditworthiness, you agree that we may rely on information 
contained in consumer reports, and in our discretion we may 
consider  the  amount  of  debt  you  are  carrying  compared  to 
your  resources  or  any  other  of  your  credit  characteristics, 
regardless of your performance on this Account. In the event 
of default, subject to any right you may have under applicable 
law, we may demand that you pay the entire unpaid balance 
due. If the Account is referred to an attorney, you agree to pay 
our reasonable attorney’s fees, but only to the extent and in the 
amount permitted by applicable law, and court costs will also 
be recovered where permitted by applicable law.

While  we  investigate  whether  or  not  there  has  been  
an error: 
    •  We cannot try to collect the amount in question, or report 

you as delinquent on that amount. 

    •  The charge in question may remain on your statement, and 
we may continue to charge you interest on that amount. 
    •  While you do not have to pay the amount in question, you 
are responsible for the remainder of your balance. 
    • We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen: 
    •  If we made a mistake: You will not have to pay the amount 
in  question  or  any  interest  or  other  fees  related  to  that 
amount. 

    •  If we do not believe there was a mistake: You will have 
to pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report you 
as delinquent if you do not pay the amount we think you owe.
If  you  receive  our  explanation  but  still  believe  your  bill  is 
wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as 
delinquent  without  also  reporting  that  you  are  questioning 
your  bill.  We  must  tell  you  the  name  of  anyone  to  whom 
we  reported  you  as  delinquent,  and  we  must  let  those 
organizations  know  when  the  matter  has  been  settled 
between us.
If we do not follow all of the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is correct.
YOUR  RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR 
CREDIT CARD PURCHASES
If  you  are  dissatisfied  with  the  goods  or  services  that  you 
have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may 
have  the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase.
To use this right, all of the following must be true: 
    1.  The purchase must have been made in your home state 
or within 100 miles of your current mailing address, and 
the purchase price must have been more than $50. (Note: 
Neither  of  these  are  necessary  if  your  purchase  was 
based  on  an  advertisement  we  mailed  to  you,  or  if  we 
own the company that sold you the goods or services.) 

    2.  You must have used your credit card for the purchase. 
Purchases  made  with  cash  advances  from  an ATM  or 
with  a  check  that  accesses  your  credit  card  account 
do not qualify. 

    3.  You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing on a separate sheet at 
the “Send Inquiries To” address shown on your billing statement.
While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount as discussed above. After we finish our investigation, 
we will tell you our decision. At that point, if we think you owe 
an amount and you do not pay, we may report you as delinquent.
For  information  about  your  Account,  please  contact  Capital 
One,  N.  A.  by  writing  our  servicer:  Kohl’s,  Attn:  Credit 
Administrator, P.O. Box 3120, Milwaukee, WI 53201-3120.
Copyright ©2012 Capital One. All rights reserved.

13.  Your  Credit  Limit  and  Canceling  or  Limiting  Your 
Credit:  We  will  assign  a  credit  limit  to  your  Account.  Your 
credit limit appears on your Statement. You are responsible for 
keeping track of your Account balance including any fees and 
interest charges and making sure it remains below your credit 
limit. We may but are not required to authorize charges that 
go over your credit limit. You must pay any amount over your 
credit limit and you must pay us immediately if we ask you to 
do so. This Agreement applies to any balance over your credit 
limit. We may change or cancel your credit limit without telling 
you ahead of time. If we do, it will not excuse you from your 
obligations to pay us.
You may close your Account at any time. We may require you 
to provide a closure request in writing. Except as required by 
applicable law, we may close your Account or suspend your 
credit privileges or any feature on your Account at any time 
for any reason, including Account inactivity, without notice. If 
we close your Account or suspend your credit privileges or any 
feature, we will not be liable to you for any consequences that 
result. If you or we close your Account, you and any authorized 
users must stop using your Account immediately and destroy 
all cards or return them to us upon request. You will continue 
to be responsible for charges to your Account according to the 
terms of this Agreement.
14. Credit Cards, Lost/Stolen Credit Cards and Liability for 
Unauthorized  Use:  All  cards  we  issue  remain  our  property 
and, if requested, you agree to return to us any card issued 
to you. If you lose or someone steals your card or any other 
means to access your Account, or if you think someone has 
used your Account without your permission, you must tell us 
immediately.  Call  us  at  1-800-564-5740  or  write  to  us  at: 
Kohl’s, ATTN: Credit Administrator, P.O. Box 3120, Milwaukee, 
WI 53201-3120. Do not use your Account after you notify us. 
We may end your credit privileges and close your Account if 
we consider it appropriate. You agree to provide us information 
to help us find out what happened. You will not be liable for 
any unauthorized use that occurs after you notify us. You may, 
however,  be  liable  for  unauthorized  use  that  occurs  before 
your notice to us. In any case, your liability will not exceed $50.
15. Additional Cards and Revoking an Authorized User’s 
Card: You may request additional cards on your Account for 
yourself  or  authorized  users.  However,  if  you  do  you  will  be 
liable for all charges incurred by these persons in accordance 
with  this  Agreement.  You  agree  to  notify  us  immediately  if 
you revoke permission to use the Account for any person you 
previously  authorized  to  use  your Account.  In  that  case,  we 
may  close  the Account  and  issue  a  new  card  or  cards  with 
a  different Account  number. An  authorized  user  is  not  liable 
for charges incurred by you or by other authorized users. You 
authorize  us  to  provide  Account  information  to  authorized 
users  and  to  discuss  the  Account  with  them.  You  agree  to 
notify each authorized user, at the time he or she becomes an 
authorized user, that we may receive, record, exchange and 
use information about him or her in the same manner we do 
with information about you as described in this Agreement. 
16.  Credit  Information:  We  may  review  your  credit  history 
by  obtaining  information  from  credit  reporting  agencies  and 
others. We may report information about you and your Account 
to credit reporting agencies. If you request additional cards on 
your Account for others, we may report Account information in 
your name as well as in the names of those other people. If 
you think we have reported information to a credit reporting 
agency that is not correct, you may write to us at: Kohl’s, ATTN: 
Credit  Administrator,  P.O.  Box  3115,  Milwaukee,  WI  53201-
3115.  Please  include  your  name,  address, Account  number, 
telephone number and a brief description of the problem and a 
copy of the credit reporting agency report if you have it. We will 
investigate the matter. If our investigation shows that you are 
right, we will contact each credit reporting agency to which 
we reported the information and will request they correct the 
report. If we disagree with you after our investigation, we will 
tell you in writing or by telephone. 
17. Credit Balances: You may request a refund of any credit 
balance at any time. Otherwise, we will apply it to any new 
charges  on  your  Account  or  provide  the  refund  to  you  as 
required by law.
18. Telephone Monitoring and Recording: In order to assure 
that you receive the best possible customer service, and that 
our employees and agents are complying with our policies and 
all applicable laws in their contacts with you, on occasion, we 
or our agents may record your call or we may have a second 
employee  listening  to  customer  calls.  You  consent  to  the 
recording and monitoring of calls and further authorize us or 
our agents to contact you by telephone for any lawful purpose 
including the offering of products or services that Kohl’s or we 
believe may be of interest to you.
19.  Communications/Change  of  Information:  We  can 
provide  cards,  billing  statements  and  other  communications 
to you at any mailing address or email address shown in our 
records. If you change your contact information such as any 

mailing  address,  telephone  number  or  email  address,  you 
must notify us immediately in writing at the address shown on 
your billing statement. Telephone numbers you provide include 
those  you  give  us  and/or  those  we  obtain  from  caller  ID 
processes. We may obtain telephone number, mailing address 
and e-mail address information from you or third parties, and 
we may accept mailing address corrections from the United 
States Postal Service.
If more than one person is responsible for this Account, we can 
provide billing statements and communications to any of you. 
Notice to one of you will be considered notice to all of you. You 
all will remain obligated on the Account. You agree to pay any 
fee(s) or charge(s) for incoming communications from us, and/
or  outgoing  communications  to  us,  without  reimbursement 
from us.
You  authorize  us,  or  anyone  acting  on  our  behalf,  to  call  or 
send  a  text  message  to  any  number  you  provide  or  to  any 
number  where  we  reasonably  believe  we  can  contact  you. 
These  include  calls  to  mobile,  cellular,  or  similar  devices, 
and  calls  using  automatic  telephone  dialing  systems  and/or 
prerecorded  messages.  We  may  also  send  an  email  to  any 
address  where  we  reasonably  believe  we  can  contact  you. 
Some of the legal purposes for calls and messages include: 
suspected  fraud  or  identity  theft;  obtaining  information; 
transactions  on  or  servicing  of  your  Account;  collecting  on 
your Account; and providing you information about products 
and services.
20.  Established  Business  Relationship:  You  further  agree 
that  you  have  an  established  business  relationship  with  us 
and with Kohl’s and that we both may contact you from time 
to time regarding your account and products and services that 
we or Kohl’s believes may be of interest to you. You agree that 
all such contacts are not unsolicited and may be monitored to 
assure quality service.
21.  GOVERNING  LAW:  THE  TERMS  AND  ENFORCEMENT  OF 
THIS AGREEMENT AND YOUR ACCOUNT  SHALL  BE  GOVERNED 
AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, 
TO  THE  EXTENT  STATE  LAW  APPLIES,  THE  LAW  OF  VIRGINIA, 
WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW 
OF  VIRGINIA,  WHERE  YOUR  ACCOUNT  AND  WE  ARE  LOCATED, 
WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT.
22. Assignment: We may assign your Account, any amounts 
you  owe  us,  or  any  of  our  rights  and  obligations  under  this 
Agreement to a third party. The person to whom we make the 
assignment will be entitled to any of our rights that we assign 
to that person. You may not assign this Account.
23. Enforcing this Agreement: We can delay enforcing or not 
enforce any of our rights under this Agreement without losing 
our right to enforce them in the future. If any of the terms of 
this Agreement are found to be unenforceable, all other terms 
will remain in full force.
24.  FOR  INFORMATION:  Please  call  the  customer  service 
telephone number on your card or Statement if you have any 
questions about your Account or this Agreement. 
YOUR BILLING RIGHTS: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act.
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement, write to us on 
a separate sheet at the “Send Inquiries To” address shown on 
your billing statement.
In your letter, give us the following information: 
    • Account information: Your name and account number. 
    •  Dollar amount: The dollar amount of the suspected error. 
    •  Description of problem: If you think there is an error on 
your bill, describe what you believe is wrong and why you 
believe it is a mistake.

You must contact us: 
    •  Within 60 days after the error appeared on your statement.
    •  At least 3 business days before an automated payment 
is scheduled, if you want to stop payment on the amount 
you think is wrong. 

You must notify us of any potential errors in writing. You may call 
us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:
    1.  Within 30 days of receiving your letter, we must tell you 
that  we  received  your  letter. We  will  also  tell  you  if  we 
have already corrected the error.

    2.  Within  90  days  of  receiving  your  letter,  we  must  either 
correct  the  error  or  explain  to  you  why  we  believe  the 
bill is correct.

3

FACTS  

WHAT DOES CAPITAL ONE®  
DO WITH YOUR PERSONAL INFORMATION?  

Rev. 4/2012   

Why?  

What?  

How?  

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:  

  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 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?  

For our everyday business purposes – such as to 
process your transactions, maintain your account(s), 
respond to court orders and legal investigations, or 
report to credit bureaus  
For our marketing purposes – to offer our products 
and services to you  
For joint marketing with other financial companies  
For our affiliates’ everyday business purposes – 
information about your transactions and experiences  
For our affiliates’ everyday business purposes – 
information about your creditworthiness  
For nonaffiliates to market to you  

Yes  

Yes  

Yes  

No  

No  

No  

Can you limit this 
sharing?  

No  

No  

No  

We don’t share  

We don’t share  

We don’t share  

Questions?  

Call 1-800-564-5740 or go to 
http://www.kohlscorporation.com/customer_service/mykc/mykc.html    

*Please keep in mind that, as permitted by applicable law, we share information about you with Kohl’s in 
connection with maintaining and servicing your account, including for Kohl’s to market to you in support of the 
card program.  Federal law does not give you the right to limit this sharing.   

© 2012 Capital One. Capital One is a federally registered service mark. All rights reserved. 

 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
  
  
  
  
  
 
  
  
Page 2 

Who we are  
Who is providing this notice?  

What we do  
How does Capital One protect 
my personal information?  

This notice is provided by Capital One, National Association with 
respect to your Kohl's credit card.  

To protect your personal information from unauthorized access 
and use, we use security measures that comply with federal law.  
These measures include computer safeguards and secured files 
and buildings.  

How does Capital One collect 
my personal information?  

We collect your personal information, for example, when you  

  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  

Definitions  
Affiliates  

  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. 

Companies related by common ownership or control.  They can be 
financial or nonfinancial companies.  

 Capital One does not share with our affiliates  

Nonaffiliates  

Companies not related by common ownership or control.  They 
can be financial and nonfinancial companies.  

 Nonaffiliates we share with for non-marketing activities can 
include insurance companies, service providers, 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 products 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, N.A. and does not 
apply to any other accounts you have with the Capital One family of companies.  

© 2012 Capital One. Capital One is a federally registered service mark. All rights reserved.