INTEREST RATES AND INTEREST CHARGES
a
Annual Percentage Rate (APR)
26.74%
for Purchases
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It
29.74%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 $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 5.00% Prime Rate.
a. We add 21.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.23%).
b. We add 24.74% to the Prime Rate to determine the Penalty APR (monthly periodic rate currently 2.48%).
The information about the costs of the credit card account described above is accurate as of July 1, 2018. 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
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
Charge. may charge no less than the minimum interest
number and brief description of the problem and a copy of the credit
This agreement ("Agreement" Kohl's credit card account
charge periodic interest due for billing
agency have investigate the matter. our investigation
with Please keep this Agreement for your records. You agree with us that the
8.
Periodic
Interest
Charge
Daily
Balance
(Including
we
will
contact
credit
reporting
agency
to
which
we
reported
following apply to your Account.
New Purchases): We figure the charges your Account
information and will request they correct the report disagree with after
Capital N.A. and Kohl's may exchange information about you and your
applying the applicable monthly periodic rates to the
investigation, we will tell you in writing or by telephone.
Account(s) receive the benefits of the Kohl's Charge program
your
Account
(including
current
transactions).
To
get
18.
Credit
Balances:
You
may
request
refund
of
any
credit
balance
at
any
time.
and Kohl's can inform you of additional information, offers and
for each balance (balances Promotional Credit Plans other
Otherwise, we will apply to any new charges on your Account or provide
opportunities.
amounts), we take the beginning balance of each applicable
refund required by
Definitions and Card Usage: In this Agreement, the words "your", and
any
new
purchases,
unpaid
interest
charges,
fees,
and
debit
adjustments. then subtract any payments, credits or This gives
Credit Marketing: If are eligible to receive Kohl's Charge print marketing
'cardmember' refer to each person who applies for the
the balances Then, the daily balances balance type
offers, Kohl's may, in its discretion, suspend your offers under the following
be liable on the Account. The words
creditor
issuer
the
and divide the total by the number of in the billing gives us the
circumstances, without limitation: (i) your Account has limited activity or becomes
the
and
of
Account
person
inactive
for
period
of
time;
(ii)
your
Account
becomes
whom Agreement and/or the Account may be assigned. means Kohl's
"average balance" for
make current for period of time. Our print marketing cannot be sent
Department Stores, Inc. Ridgewood Menomonee Wisconsin
On the first of each billing to balance the unpaid periodic
addresses outside of the United States or Canada or to military addresses. Our
53051.
servicing
your
Account
and
referred
to
alone
charges
from
the
prior
billing
cycle
(in
this
way
we
compound
interest
offers
be
forwarded
by
the
postal
service,
you
update
as The means issued you
monthly basis). Purchases and fees are added to your daily balance as of the
your address after moving in order to continue receiving offers. need
this Agreement that may be used to make purchases You agree
transaction date or a later date of our choice.
update your address or any of your contact information or would
that
all
purchases
made
using
the
Account
shall
only
for
family,
Payments:
of receiving our marketing offers, please call the customer service telephone
household purposes. means plan we and
available annual percentage
Minimum Payment. You must make your minimum payment in way that
number on your or statement.
receive by the time and date due. The minimum Account
20. Communications: You agree that we may communicate with you by mail,
other The sum of your Credit Plan balances equals your total Account
includes the minimum payment due on each payments
telephone,
email,
fax.
prerecorded
message,
automated
voice,
text
message,
or
Balance" means the amount displayed as the Balance each
greater than your required minimum payment. This will reduce interest charges
other means allowed by law regarding your Account. You authorize
Statement.
that are added to your Account.
acting on our behalf, to call send text message number provide
Amendments: We have the right to change the terms of this Agreement
for reason, and in any respect, by adding, deleting modifying any
Your minimum payment will be the larger total amount less
number where we reasonably believe we contact you. include
the Balance balances
to mobile, cellular, or similar devices, and calls using automatic telephone
provision, including APRs, fees, the minimum payment and terms. We
Special Repayment Term Reduced APR Promotional the
systems and/or prerecorded messages. We may also send an address
provision without regard to whether the provision deals with
addressed by this Agreement.
charges, amount required under
reasonably believe you. that monitor
Term Reduced APR Promotional Credit Plan, plus any penalty fees billed on the
record any conversation or other communication with
In certain circumstances, are required by law to notify you of changes
Statement for which minimum payment is calculated. We will add
21. Established Business Relationship: You further agree that you have an
to the terms of this Agreement, and in other circumstances we may not
amount
past
due
to
your
minimum
payment.
In
addition
to
the
minimum
payment,
established
business
relationship
with
us
and
with
Kohl's
and
that
we
both
required to When required by law to advise you have legal
you may pay all or part of the total balance your Account. pay
contact you from time to time regarding your Account and products and services
right reject any changes we make, we will provide an explanation about
at least the minimum payment amount month, even than the
that believes may be of to you. agree that contacts
how
to
that.
minimum payment due on the previous Statement.
are not unsolicited and may be monitored to assure quality service.
In some circumstances, APRs or other aspects of your Account may change
How Apply Your Payments. In each cycle, generally payments
22. GOVERNING ENFORCEMENT
even though the terms of the Account do not change, for when the
to your minimum payment amount to satisfy the minimum payment due
ACCOUNT SHALL BE GOVERNED AND INTERPRETED ACCORDANCE
Prime Rate changes or the Penalty becomes applicable. See the Penalty
each
Plan,
first
to
the
highest
Credit
Plan
balance
and
then
to
lower
FEDERAL
OF
VIRGINIA
section about right to increase APRs on outstanding balances
balances. We any part your payment your
WITHOUT REGARD THE VIRGINIA
future transactions for events of default including late payment.
minimum payment first to the balance with the and then to balances
WHERE
Account Information: We request certain information about you to manage your
Payment Instructions. You agree to pay us amounts you owe dollars. You
23. Assignment: We assign your Account, any or any
(1) your
must check, money order or electronic debit
rights and obligations under Agreement party. person
valid mailing address and residential address different);
bank
branch
in
the
U.S.
We
accept
payments
through
the
mail.
When
we make the assignment be entitled to any of our rights that assign to
your
birth;
we receive apply payment, might restore your credit line by that
person. You may not assign
(4) number or other government identification number:
for up
24. Enforcing this Agreement: We can delay enforcing or not enforce any of
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
in
the
future.
income information; and
instructions about how, when and where to make your payments. follow
of the terms of Agreement found unenforceable, other terms
your email address.
these instructions. Your payment will not be credited to your Account before we
force.
you change your contact information such as any mailing telephone
receive at the address specify for receipt of payments and in accordance with
25. Lending (MLA)
number email address, must notify us immediately in writing the address
the payment instructions.
Federal law provides important protections to members of the Armed Forces and
shown your Statement.
Payments made in store by close of business will be credited as of date payment
their dependents relating to extensions of consumer credit. In general, the
We may obtain telephone and cell phone numbers, mailing address and email
received.
of
consumer
credit
to
a
member
of
the
Armed
Forces
and
his
her
dependent
information from you, third parties, caller and other sources. We may
make payment marked as paid in or indicate amounts
may not exceed an annual percentage of percent.
corrections from the United States Postal Service, third
you owe us, you must send that payment the the back
as applicable to the credit transaction or account, the costs associated with
Statement
insurance premiums; fees for ancillary products sold in connection the credit
Promise to return for extending credit you on this Account from time
accept conditional payment and not agree that
transaction; any application charged (other than certain application
pay for goods and services charge Account,
your Account Also, we may return a conditional payment to you and you will
specified credit transactions accounts); and any participation (other
interest. fees and other charges set forth below, according to the terms of this
owe us the amount of the payment or any other amounts your Account.
than participation fees for credit card account).
Agreement. more than person applied for or liable Account,
You authorize us to collect any payment check either electronically or by draft.
To hear this same disclosure and description obligations
each of you will be responsible for paying all charges incurred either of you
can collect payment electronically by sending
for this credit card account, please
or either you permit use Account; (b) Statements
and routing numbers your these checks
During
any
period
in
which
the
Military
Lending
Act
applies
to
you,
and communications to any of you; and notice to one of you considered
sending draft drawn your bank
provision of your Cardholder Agreement that is inconsistent with the apply
account on the same day we receive your payment. keep your original
and your Cardholder Agreement shall be interpreted to comply with the
Authorized Users: you to issue Card any other person, they are
check, just copy
Your Cardholder Agreement shall be interpreted to comply with the Lending
"Authorized User.' may require certain information about We may limit
You may use our optional services to make payments electronically through
Act, including the Military Lending restrictions permissible terms
ability your Card. They may have access to certain information about
website, our automated telephone service our customer
limitations on interest and fees for customers covered by the Lending Act
Account. be responsible for paying your Account made
use these other and
Any interest or fees charged or excess amounts collected credited
Authorized User, You agree to notify each Authorized Userat the time he
expedited payments made with advisor.
refunded. provision your Cardholder Agreement that inconsistent with
she becomes an Authorized User, that we may receive, and use
amount of the fee at the time you request the service. not responsible
information or her in the same manner with information about you
payment made using our payment services is rejected paid.
INFORMATION: For information about your Account, please call the
described
agreement.
still keep the fee.
telephone number the back monthly statement,
want to remove an Authorized User from your Account, you must contact us
10. Legal Notices: For important information your dispute billing
or write Attn: Credit Administrator, Milwaukee
the
Customer
Service
telephone
number
on
your
Statement
the
back
of
your
Document for Future Use
Card and request their removal. They will be able
your copy of this Agreement. notices
notified that removing them from Account. this time. you will
notices, must be to through agent. at Kohl's,
This notice tells you about your rights and our responsibilities under the Fair Credit
responsible
for
all
amounts
to
Account.
responsible
Milwaukee,
addresses
amounts do appear
satisfy the legal requirement
STATEMENT
remove themselves from your Account upon request. We reserve the remove
No Waiver By Us: reserve the right to delay or refrain enforcing of
you think there is an error on your statement write us
them from your Account. To remove them from your Account, may close your
under this Agreement without them. example, can extend
the
"Send
Inquiries
To"
address
shown
on
your
billing
statement.
existing Account and issue new Card with Account
time for making certain payments without extending others accept
In your letter, give us the following information:
6. 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
or
on
any
sales
receipt,
or
your
Account,
consent to the terms of this Agreement with and your
Dollar amount: The dollar amount of the suspected error.
delivery of of this Agreement to you. The information provide have
12. Returned Payment Fee: We may charge you this fee each time any payment
to us not paid by your financial institution for any reason, even that
Description problem: you think there is an error on your describe what
previously provided on the application that identifies constitutes part of this
institution pays The returned payment
you believe is wrong and why you believe mistake.
Agreement is incorporated reference. For applicants, this
Agreement will not be effective until we approve your application, and then,
13. Late Payment Fee: We may charge a late payment fee do not receive
You must contact
someone authorized by you charges purchase this Account.
at least the required minimum payment for any billing by the date and time
Within after the error appeared on your statement.
Billing Cycle, Paying Interest, Variable Rates, Annual Percentage Rates
due. Your late payment fee will be your
least business days before an automated payment scheduled,
("APR"), Minimum Interest Charge, Promotional Credit Plans:
balance is greater than but less than $50.01, and $27 your balance
to payment on the amount you think wrong.
is greater than $50. The late payment fee will not exceed the amount of your
Billing
Cycle/Statements
In
order
to
manage
your
Account,
we
divide
time
into
You must notify us of any potential errors in writing. You may
minimum you and then pay late next
billing cycles. cycle approximately
consecutive billing cycles the late payment fee will be until you have
we are not required to investigate any potential errors and you have to
each calendar month Account will have
question.
minimum payment when due for consecutive
We
will
provide
a
billing
statement
("Statement")
each
month
required
RECEIVE
Default/Collection Costs. You will be default any minimum
applicable Your Account will have billing ending in calendar month
payment by the time and date due, you breach other promise or
When receive your letter, we must do two things:
whether or not there is Statement for that billing cycle.
obligation under this Agreement, you become incapacitated or die, or you file
days of receiving your letter, we must you that we received
Paying Interest. begin assessing periodic interest transaction.
for bankruptcy. Subject law, may also consider default
tell you we have already corrected the error.
charge from the date added to your balance described this
under this Agreement any time any statement made connection
2. Within 90 days of receiving your letter. we must either correct the error
Agreement until your Account paid full. avoid
with this Account or any other credit program with or misleading; we
explain we believe the correct.
new
purchases,
provided
you
have
paid
your
statement's
entire
New
Balance
information
indicating
that
bankrupt,
or
(excluding balances on any Special Repayment Term Reduced Credit
unable pay your debts as they become leading
While we investigate whether or not there has been an error:
the due date each month (see Promotional Your
conclude that you no longer creditworthy. In evaluating creditworthiness,
We cannot try to collect the amount in question, or report you as delinquent
after the close of each billing cycle.
agree
that
we
may
rely
on
information
contained
consumer
reports,
and
that amount
Variable Rate. The APR for Purchases and the Penalty may vary with changes
our discretion may consider the amount of compared
The charge in question may remain on your statement, and continue
the Prime Rate. We calculate variable APR by adding a margin to the Prime
to resources any other of your credit characteristics, regardless of your
charge you interest on that amount.
Rate
published
The
the
last
business
of
March,
June.
performance this Account. In the event of default subject
September and December. this effective the
under applicable we may demand that you pay unpaid
While you do have to pay the amount in question, responsible for
due.
the
Account
is
remainder of your balance.
of the billing cycle that begins in the following month.
referred
an
attorney,
you
agree
our
reasonable
attorney's fees, but only to the extent and in the amount permitted by applicable
We apply any unpaid amount against your credit limit.
APR for Purchases. Prime Rate plus 21.74%, currently (monthly
and monthly periodic stated estimates
and costs will also be recovered where permitted applicable
After finish our investigation, one of two things will happen:
on 5.00% Prime Rate.
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
Penalty APR. The Prime Rate plus 24.74%, currently (monthly
credit limit to your Account. Your credit limit appears Statement. You are
interest or other fees related to that amount.
2.48%). The APR and monthly periodic rate stated estimates the
responsible for keeping track of your Account balance any fees and
we do not believe there was mistake: will have to pay the amount
Prime Rate.
and
remains
below
your
question, along with applicable interest and fees. will send
not required to authorize charges that go over your credit must
The Penalty APR will be applicable to your Account you:
of the amount and the date payment We may
amount over your credit limit and you must pay immediately
delinquent you pay the amount
to make any minimum payment by the date and time due payment) or
Agreement
applies
to
any
balance
your
credit
limit.
change
make a payment to us that is returned unpaid.
credit limit telling you ahead of time. excuse
receive our explanation believe your write to
your obligations
within
days
telling
us
that
you
still
refuse
to
pay.
you
cannot
Before we apply the Penalty on any type of transaction or balance, we will
delinquent without also reporting that you are must
provide you notice required by law advance that which future
You may close your Account at any time. We may require you to provide closure
you the name of anyone to whom reported delinquent, and we must
outstanding balances are subject the and when
request in writing. Except as required by applicable law, your Account
those
organizations
know
when
the
matter
has
been
settled
between
suspend your credit privileges or any feature on your any time
any
reason,
including
Account
inactivity,
without
notice.
APRs are increased on any type of transaction for any of the reasons above,
your
Account
we do not follow all of the rules above, you do not have to pay the first of the
the
Penalty
APR
will
be
applicable
suspend credit privileges or any feature,
amount you question even your correct.
indefinitely
to
future
transactions
of
that
that occur more than days after we provide you notice about increase.
that result. you close Account, and authorized
RIGHTS CREDIT CARD PURCHASES
must stop using your Account immediately and destroy all 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 days of the date and time
them upon request. You continue to be responsible for charges to your
card, and you have tried in good faith correct the problem with the
the
Penalty
APR
will
applicable
to
all
outstanding
and
future
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 we receive six minimum
Cards, Lost/Stolen Credit Cards and Liability Unauthorized Use:
purchase.
payments the date and time due beginning with the first due after the
effective
date
of
the
increase,
requested, you agree to return any card to you. someone
applying
the
Penalty
transactions
right, all of the following must be true:
steals your card or other means to access your Account
within after provided about the APR
The purchase must have been made in your home state or within
without
permission
increase. the Amendments section about our rights increase and make
Call
1-800-564-5740 write
your mailing address, and the purchase price must been
other changes to your Account for any reason.
than (Note: Neither of these are necessary your purchase based
Promotional Plans. time Promotional
may end your credit privileges appropriate.
an advertisement mailed to you, or we own the company that sold
Credit Plans prior to at the time of your purchase. purchases
the
You agree to provide us information to help us find You will not
be
eligible
for
Promotional
Credit
Plans.
These
plans
may
repayment
be
liable
for
unauthorized
use
that
occurs
after
however,
You must have used your credit card for the purchase. Purchases made with
conditioned on payment 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 you
liability will not exceed $50.
account qualify.
will receive reduced purchase Special
Repayment Term Reduced plan, repayment
17. Credit Information: We may obtain and use credit and income information
3. You must not yet have fully paid for the purchase.
term applied to the reduced APR Promotional Credit purchase the
about you from consumer (credit) reporting agencies and other sources. We
all of the criteria above are met and you dissatisfied the purchase,
specified period.
report information about you and your Account to credit reporting agencies.
writing on a separate sheet at the Inquiries address
request
additional
cards
on
your
Account
for
others,
we
on
your
statement.
you one purchase the balances for the Promotional
information well as names of those people.
While investigate, the same rules apply to the disputed amount as
purchases may treated differently balances.
have information credit reporting agency that correct,
above. our investigation we you decision.
participation in certain program features limits your eligibility for
may
Administrator,
Milwaukee,
Promotional
we amount and you pay, we may report
your name, address, Account number, telephone
Capital reserved.
CMA-07/18
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.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 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.