INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR)
a
for Purchases
21.9% This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies
24.9%b 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.
Paying Interest
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.
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,
Federal Reserve Board
visit the website of the Federal Reserve Board at http://www.federalreserve.gov/
creditcard.
FEES
Annual Fee
None
Penalty Fees
Late Payment
Up to $35
Returned Payment
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
that all creditors make credit equally available to all customers,
decree adversely affects our rights, unless you give us a copy of
Capital One, N.A. ("Capital One", "we", or "us"), you agree to
and that credit reporting agencies maintain separate histories
such agreement, statement or court order before we grant you
the following:
on each individual upon request. The Ohio Civil Rights
credit, or we have actual knowledge of the adverse obligation.
1. You authorize us to obtain credit bureau reports in connection
Commission administers compliance with the law.
All obligations on this account will be incurred in the interest
with your request for an account. If an account is opened, we
New York and Vermont Residents: Capital One may obtain
of your marriage or family. You understand that we may be
may obtain credit bureau reports in connection with extensions
at any time your credit reports, for any legitimate purpose
required to give notice of this account to your spouse. Married
of credit or the review or collection of your account. If you ask,
associated with the account or the application or request for
Wisconsin residents must furnish their (the applicant's)
we will tell you the name and address of each credit bureau
an account, including but not limited to reviewing, modifying,
name and social security number as well as the name and
from which we obtained a report about you.
renewing and collecting on your account. On your request,
address of their spouse to Kohl's, PO Box 3120, Milwaukee,
you will be informed if such a report was ordered. If so, you
WI 53201.
2. By using the account or any card, or authorizing their use,
you agree to the terms of the Cardmember Agreement. If you
will be given the name and address of the consumer reporting
Omission of any information requested on the application may
open your account in a Kohl's store you acknowledge receipt
agency furnishing the report. New York residents may contact
be reason for denial of an account.
of this disclosure and a copy of the Cardmember Agreement
the New York State Banking Department (1-800-518-8866) for
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING
before your first purchase.
a comparative list of credit card rates, fees and grace periods.
A NEW ACCOUNT
3. As described in the Cardmember Agreement, we reserve the
California Residents: Applicants: 1) may, after credit approval,
To help the government fight the funding of terrorism and
right to change the terms of your account (including the APRs)
use the credit card account up to its credit limit; 2) may be liable
money laundering activities, Federal law requires all financial
at any time, for any reason.
for amounts extended under the plan to any joint applicant. As
institutions to obtain, verify, and record information that
4. We will review your credit history to determine if you qualify
required by law, you are hereby notified that a negative credit
identifies each person who opens an account.
for an account and, if so, your credit line. Based on this review,
report reflecting on your credit record may be submitted to a
you may not receive a card.
credit reporting agency if you fail to fulfill the terms of your
What this means for you: When you open an account, we will
credit obligations.
ask for your name, address, date of birth, and other information
5. You must be at least 18 years old to qualify (19 in AL and NE).
that will allow us to identify you. We may also ask to see your
Notice to Married Wisconsin Residents: No provision of
Ohio Residents: The Ohio laws against discrimination require
driver's license or other identifying documents.
any marital property agreement, unilateral statement or court
KOHL'S CARDMEMBER AGREEMENT
1. Definitions and Card Usage: In this Agreement, the words
Account may be assigned. "Kohl's" means Kohl's Department
This agreement ("Agreement") governs your Kohl's credit card
"you", "your", and "cardmember" refer to each person who
Stores, Inc., N56 W17000 Ridgewood Dr., Menomonee Falls,
Account ("Account") with us. Please keep this Agreement for
applies for the Account and each person who agrees to be
Wisconsin 53051. Kohl's is servicing your account on our
liable on the Account. The words "we," "us," and "our" refer
your records. You agree with us that the following terms apply
behalf and is also referred to alone or together with others as
to Capital One, N.A., the creditor and issuer of the Account
to your Account.
an agent. The word "card" means the card issued to you under
and any other person to whom this Agreement and/or the
this Agreement that may be used to make purchases at Kohl's.
1
You agree that all purchases made using the Account shall be
percentage we add to the Prime Rate to calculate the APR.
If you make a payment marked as paid in full or indicate
only for personal, family, or household purposes.
A "business day" is any day that is not a weekend or federal
that it is to pay all amounts you owe us, you must send
2. Amendments: We have the right to change the terms
holiday. If the monthly periodic rate increases, you will have to
that payment to the special address on the back of your
of this Agreement for any reason, and in any respect, by
pay a higher periodic interest charge and may have to pay a
statement. That address is called the "Conditional Payments"
adding, deleting or modifying any provision, including
higher minimum payment.
address. We may accept a conditional payment and not
APRs, fees, the Minimum Payment and other terms. We
APR for Purchases. The Prime Rate plus 18.65%, currently
agree that it pays all amounts you owe on your Account. Also,
can add a new provision without regard to whether the
21.9% (monthly periodic rate 1.825%). The APR and
we may return a conditional payment to you and you will still
provision deals with a matter already addressed by
monthly periodic rate stated are estimates based on the
owe us the amount of the payment or any other amounts
this Agreement.
3.25% Prime Rate.
owed on your Account.
In certain circumstances, we are required by law to notify
Penalty APR. The Prime Rate plus 21.65%, currently 24.9%
You authorize us to collect any payment check either
you of changes to the terms of this Agreement, and in
(monthly periodic rate 2.075%). The APR and monthly periodic
electronically or by draft. We can collect your payment checks
other circumstances we may not be required to do so.
rate stated are estimates based on the 3.25% Prime Rate.
electronically by sending the check number, check amount,
When required by law to advise you that you have a legal
account and routing numbers to your bank. Or we can collect
The Penalty APR will be applicable to your account if you:
right to reject any changes we make, we will provide an
these checks by sending a draft drawn on your bank account.
explanation about how to do that.
A. fail to make any Minimum Payment by the date and time
Funds may be taken from your bank account on the same day
due (late payment) or
we receive your payment. We will not keep your original check,
In some circumstances, APRs or other aspects of your
Account may change even though the terms of the
B. make a payment to us that is returned unpaid.
just a copy of it.
Account do not change, for example when the Prime Rate
Before we apply the Penalty APR on any type of transaction
You may use our optional services to make payments
changes or the Penalty APR becomes applicable. See the
or balance, we will provide you any notice required by law
electronically through our website, our automated telephone
Penalty APR section about our right to increase APRs
in advance that tells you which future transactions and/or
service or our customer service advisors. We will provide the
on outstanding balances and/or future transactions for
outstanding balances are subject to the Penalty APR and when
terms for these payment services before you use them.
events of default including late payment.
the APRs will increase. If we do not increase your APRs to the
8. Legal Notices: For important information regarding your
3. Promise to Pay and Authorized Users: In return for
Penalty APR when any of these events occur, we reserve our
right to dispute billing errors under federal law, see the
extending credit to you on this Account from time to time, you
right to increase your APRs to the Penalty APR if any of these
section marked "Your Billing Rights" that accompanies your
agree to pay us for all goods and services you charge to this
events occur in the future.
copy of this Agreement. All notices relating to legal actions,
Account, plus any interest, fees and other charges set forth
If your APRs are increased on any type of transaction for any of
including bankruptcy notices, must be sent to us, through our
below, according to the terms of this Agreement. If more than
the reasons above, the Penalty APR will be applicable indefinitely
agent, at Kohl's, ATTN: Credit Administrator, P.O. Box 3043,
one person has applied for or is liable on this Account, each
to future transactions of that type that occur more than 14 days
Milwaukee, WI, 53201-3043. Legal notices sent to any other
of you will be responsible for paying all charges incurred
after we provide you notice about the APR increase.
addresses will not satisfy the legal requirement that you
by either of you or anyone either of you permit to use this
provide us with notice.
Account. If you allow someone to use this Account, that
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
9. No Waiver By Us: We reserve the right to delay or refrain
person will be an authorized user. You should think carefully
outstanding balances and future transactions on your Account.
from enforcing any of our rights under this Agreement without
before letting anyone become an authorized user because
However, if we receive six consecutive Minimum Payments by
losing them. For example, we can extend the time for making
you are allowing that person to use the Account as you can.
You will remain responsible for your Account and each card
the date and time due beginning with the first payment due
certain payments without extending others or we can accept
issued on your Account. This includes your responsibility for
after the effective date of the increase, we will stop applying
late or partial payments without waiving our right to have future
the Penalty APR to transactions that occurred prior to or within
payments made when they are due.
paying all charges on your Account made by an authorized
14 days after we provided you notice about the APR increase.
user.
10. Returned Payment Fee: If any check, instrument, or
See the Amendments section about our rights to increase
electronic authorization used to pay the amount you owe under
4. When Effective: Your signature, including any electronic
APRs and make other changes to your Account for any reason.
this Agreement is returned unpaid upon first presentment
signature, on the application for this Account or on any sales
receipt, or your use of this Account, is your consent to the
Minimum Interest Charge. We may charge no less than the
("returned payment"), even if the returned payment is later
terms of this Agreement with us and your acknowledgement
minimum interest charge of $1.00 if any periodic interest is
honored, we may charge you a returned payment fee of $25. If
due for a billing period.
you have a returned payment and then have another returned
of delivery of a copy of this Agreement to you. The information
6. Periodic Interest Charge Calculation Average Daily
payment in any of the next six consecutive billing periods
you provide or have previously provided on the application
Balance (Including New Purchases): We figure the periodic
the returned payment fee will be up to $35.00 until you
that identifies you constitutes a part of this Agreement and is
incorporated in it by reference. For new Account applicants,
interest charges on your account by applying the monthly
have gone six consecutive billing periods without a returned
payment. The returned payment fee cannot be greater than
this Agreement will not be effective until we approve your
periodic rate to the "average daily balance" of your account
application, and then, after that only if you or someone
(including current transactions). To get the "average daily
the Minimum Payment due immediately prior to the date on
authorized by you charges a purchase to this Account.
balance" we take the beginning balance of your account
which your payment was returned. You agree that this fee will
5. Billing Period, Paying Interest, Variable Rates, Annual
each day, add any new purchases, unpaid interest charges,
be added to the outstanding balance on your Account.
fees, other charges and debit adjustments, then subtract any
11. Late Payment Fee: We may charge a late payment fee if
Percentage Rates ("APR"), Minimum Interest Charge:
payments, credits or credit adjustments. This gives us the daily
we do not receive at least the required Minimum Payment for
Billing Period/Statements. In order to manage your Account,
balance. Then, we add up all the daily balances for the billing
any billing period by the date and time it is due. If the amount
we divide time into periods called billing periods. Each billing
cycle and divide the total by the number of days in the billing
of the late payment fee is based on a balance, we will use the
period is approximately one month in length. For each calendar
cycle. This gives us the "average daily balance."
total Account balance at the end of the day that the late fee is
month your Account will have a billing period ending in that
On the first day of each billing period we add to the daily
charged to calculate the fee. This date may be as early as the
month. We will provide a billing statement ("Statement") each
month one is required by applicable law. Your account will
balance the unpaid periodic interest charges from the prior
due date for the late payment. Your late payment fee will be
billing period (in this way we compound interest on a monthly
$15 if your balance is greater than $15 but less than $50.01,
have a billing period ending in each calendar month whether
or not there is a Statement for that billing period.
basis). Purchases and fees are added to your daily balance as
and $25 if your balance is greater than $50, however, if your
of the transaction date or a later date of our choice.
balance is $15 or less you will not be charged a late payment
Paying Interest. We begin assessing periodic interest charges
fee. If you pay late and then pay late again in any of the next
on a transaction, fee, or interest charge from the date it is
7. Payments:
six consecutive billing periods the late payment fee will be up
added to your daily balance as described in this Agreement
Minimum Payment. You must make your Minimum Payment
to $35.00 until you have paid your Minimum Payment when
until your Account is paid in full. Your due date will be a
in a way that we receive it by the time and date it is due. You
due for six consecutive billing periods. The late payment fee
minimum of 25 days following the close of each billing cycle.
may make payments greater than your required Minimum
cannot be greater than the Minimum Payment due for the
You can avoid periodic interest charges on new purchases
Payment. This will reduce the interest charges that are added
billing period for which your payment was late. We will add
when they are first billed to a Statement, as follows. If you
to your Account.
any late fee to the balance due on your Account.
receive a current monthly Statement that includes new
Your Minimum Payment will be the largest of: i) $25 (or total
12. Default/Collection Costs. You will be in default if you
purchases, and then make a payment that we receive by the
amount you owe if less than $25); or ii) the sum of 1% of the
fail to pay any Minimum Payment by the time and date it is
date and time the Minimum Payment is due for that Statement,
New Balance, plus the periodic interest charges and late fees
due, if you breach any other promise or obligation under this
we will not charge periodic interest on any portion of the new
billed on the statement for which your Minimum Payment is
Agreement, if you become incapacitated or die, or if you file for
purchases, so long as your current Statement also shows that
calculated. As part of the Minimum Payment we will also add
bankruptcy. Subject to applicable law, we may also consider
we received payment of the ending balance for your previous
any amount past due.
you to be in default under this Agreement at any time if any
month's Statement by the date and time its Minimum Payment
How We Apply Your Payments. We apply your minimum
statement made by you to us in connection with this Account
was due or that the ending balance for your previous month's
Statement was zero.
payments to lower APR balances before higher ones. We
or any other credit program with us was false or misleading;
apply any portion of your payment, in excess of your minimum
if we receive information indicating that you are bankrupt,
Variable Rate. The APR for Purchases and the Penalty APR
payment, to higher APR balances before lower ones.
intend to file bankruptcy, or are unable to pay your debts as
may vary with changes to the Prime Rate. We calculate the
they become due; or we receive information leading us to
APR by adding a margin to the Prime Rate published in The
Payment Instructions. You agree to pay us amounts you
conclude that you are no longer creditworthy. In evaluating your
Wall Street Journal on the last business day of the calendar
owe in U.S. dollars. You must use a check, money order or
creditworthiness, you agree that we may rely on information
quarter (January-March, April-June, July-September, and
electronic debit drawn on a U.S. bank or a foreign bank branch
contained in consumer reports, and in our discretion we may
October-December) and will be effective for all billing cycles
in the U.S. We will not accept cash payments through the mail.
consider the amount of debt you are carrying compared to
beginning in the following calendar quarter. The "Prime Rate"
When we receive or apply a payment, we might not restore
your resources or any other of your credit characteristics,
is the (U.S.) Prime Rate published in the Money Rates section
your credit line by that amount for up to 15 days.
regardless of your performance on this Account. In the event
of The Wall Street Journal. The Prime Rate is merely a pricing
For mailed payments, your billing statement and the envelope
of default, subject to any right you may have under applicable
index. It is not the lowest or the best interest rate available
it comes in give you instructions about how, when and where
law, we may demand that you pay the entire unpaid balance
to a borrower at any particular bank at any given time. If The
to make your payments. You must follow these instructions.
due. If the Account is referred to an attorney, you agree to pay
Wall Street Journal stops publishing the Prime Rate, we will
Your payment will not be credited to your Account before we
our reasonable attorney's fees, but only to the extent and in the
select a similar reference rate and inform you on your billing
receive it at the address we specify for receipt of payments
amount permitted by applicable law, and court costs will also
statement or through a separate notice. A "margin" is the
and in accordance with the payment instructions.
be recovered where permitted by applicable law.
2
13. Your Credit Limit and Canceling or Limiting Your
mailing address, telephone number or email address, you
While we investigate whether or not there has been
Credit: We will assign a credit limit to your Account. Your
must notify us immediately in writing at the address shown on
an error:
credit limit appears on your Statement. You are responsible for
your billing statement. Telephone numbers you provide include
We cannot try to collect the amount in question, or report
keeping track of your Account balance including any fees and
those you give us and/or those we obtain from caller ID
you as delinquent on that amount.
interest charges and making sure it remains below your credit
processes. We may obtain telephone number, mailing address
limit. We may but are not required to authorize charges that
and e-mail address information from you or third parties, and
The charge in question may remain on your statement, and
go over your credit limit. You must pay any amount over your
we may accept mailing address corrections from the United
we may continue to charge you interest on that amount.
credit limit and you must pay us immediately if we ask you to
States Postal Service.
While you do not have to pay the amount in question, you
do SO. This Agreement applies to any balance over your credit
If more than one person is responsible for this Account, we can
are responsible for the remainder of your balance.
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
provide billing statements and communications to any of you.
We can apply any unpaid amount against your credit limit.
obligations to pay us.
Notice to one of you will be considered notice to all of you. You
After we finish our investigation, one of two things will happen:
all will remain obligated on the Account. You agree to pay any
You may close your Account at any time. We may require you
fee(s) or charge(s) for incoming communications from us, and/
If we made a mistake: You will not have to pay the amount
to provide a closure request in writing. Except as required by
or outgoing communications to us, without reimbursement
in question or any interest or other fees related to that
applicable law, we may close your Account or suspend your
from us.
amount.
credit privileges or any feature on your Account at any time
for any reason, including Account inactivity, without notice. If
You authorize us, or anyone acting on our behalf, to call or
If we do not believe there was a mistake: You will have
send a text message to any number you provide or to any
to pay the amount in question, along with applicable interest
we close your Account or suspend your credit privileges or any
number where we reasonably believe we can contact you.
and fees. We will send you a statement of the amount you
feature, we will not be liable to you for any consequences that
These include calls to mobile, cellular, or similar devices,
owe and the date payment is due. We may then report you
result. If you or we close your Account, you and any authorized
and calls using automatic telephone dialing systems and/or
as delinquent if you do not pay the amount we think you owe.
users must stop using your Account immediately and destroy
all cards or return them to us upon request. You will continue
prerecorded messages. We may also send an email to any
If you receive our explanation but still believe your bill is
to be responsible for charges to your Account according to the
address where we reasonably believe we can contact you.
wrong, you must write to us within 10 days telling us that
terms of this Agreement.
Some of the legal purposes for calls and messages include:
you still refuse to pay. If you do so, we cannot report you as
suspected fraud or identity theft; obtaining information;
delinquent without also reporting that you are questioning
14. Credit Cards, Lost/Stolen Credit Cards and Liability for
transactions on or servicing of your Account; collecting on
your bill. We must tell you the name of anyone to whom
Unauthorized Use: All cards we issue remain our property
your Account; and providing you information about products
we reported you as delinquent, and we must let those
and, if requested, you agree to return to us any card issued
and services.
organizations know when the matter has been settled
to you. If you lose or someone steals your card or any other
between us.
means to access your Account, or if you think someone has
20. Established Business Relationship: You further agree
used your Account without your permission, you must tell us
that you have an established business relationship with us
If we do not follow all of the rules above, you do not have to pay
immediately. Call us at 1-800-564-5740 or write to us at:
and with Kohl's and that we both may contact you from time
the first $50 of the amount you question even if your bill is correct.
Kohl's, ATTN: Credit Administrator, P.O. Box 3120, Milwaukee,
to time regarding your account and products and services that
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR
WI 53201-3120. Do not use your Account after you notify us.
we or Kohl's believes may be of interest to you. You agree that
CREDIT CARD PURCHASES
We may end your credit privileges and close your Account if
all such contacts are not unsolicited and may be monitored to
we consider it appropriate. You agree to provide us information
assure quality service.
If you are dissatisfied with the goods or services that you
have purchased with your credit card, and you have tried in
to help us find out what happened. You will not be liable for
21. GOVERNING LAW: THE TERMS AND ENFORCEMENT OF
good faith to correct the problem with the merchant, you may
any unauthorized use that occurs after you notify us. You may,
THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED
have the right not to pay the remaining amount due on the
however, be liable for unauthorized use that occurs before
AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND,
purchase.
your notice to us. In any case, your liability will not exceed $50.
TO THE EXTENT STATE LAW APPLIES, THE LAW OF VIRGINIA,
WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW
To use this right, all of the following must be true:
15. Additional Cards and Revoking an Authorized User's
Card: You may request additional cards on your Account for
OF VIRGINIA, WHERE YOUR ACCOUNT AND WE ARE LOCATED,
1. The purchase must have been made in your home state
yourself or authorized users. However, if you do you will be
WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT.
or within 100 miles of your current mailing address, and
liable for all charges incurred by these persons in accordance
22. Assignment: We may assign your Account, any amounts
the purchase price must have been more than $50. (Note:
with this Agreement. You agree to notify us immediately if
you owe us, or any of our rights and obligations under this
Neither of these are necessary if your purchase was
you revoke permission to use the Account for any person you
based on an advertisement we mailed to you, or if we
Agreement to a third party. The person to whom we make the
previously authorized to use your Account. In that case, we
own the company that sold you the goods or services.)
assignment will be entitled to any of our rights that we assign
may close the Account and issue a new card or cards with
to that person. You may not assign this Account.
2. You must have used your credit card for the purchase.
a different Account number. An authorized user is not liable
Purchases made with cash advances from an ATM or
for charges incurred by you or by other authorized users. You
23. Enforcing this Agreement: We can delay enforcing or not
with a check that accesses your credit card account
authorize us to provide Account information to authorized
enforce any of our rights under this Agreement without losing
do not qualify.
users and to discuss the Account with them. You agree to
our right to enforce them in the future. If any of the terms of
notify each authorized user, at the time he or she becomes an
this Agreement are found to be unenforceable, all other terms
3. You must not yet have fully paid for the purchase.
authorized user, that we may receive, record, exchange and
will remain in full force.
If all of the criteria above are met and you are still dissatisfied
use information about him or her in the same manner we do
24. FOR INFORMATION: Please call the customer service
with the purchase, contact us in writing on a separate sheet at
with information about you as described in this Agreement.
telephone number on your card or Statement if you have any
the "Send Inquiries To" address shown on your billing statement.
16. Credit Information: We may review your credit history
questions about your Account or this Agreement.
While we investigate, the same rules apply to the disputed
by obtaining information from credit reporting agencies and
YOUR BILLING RIGHTS: Keep this Document for Future Use
amount as discussed above. After we finish our investigation,
others. We may report information about you and your Account
we will tell you our decision. At that point, if we think you owe
to credit reporting agencies. If you request additional cards on
This notice tells you about your rights and our responsibilities
an amount and you do not pay, we may report you as delinquent.
your Account for others, we may report Account information in
under the Fair Credit Billing Act.
For information about your Account, please contact Capital
your name as well as in the names of those other people. If
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
One, N. A. by writing our servicer: Kohl's, Attn: Credit
you think we have reported information to a credit reporting
If you think there is an error on your statement, write to us on
Administrator, P.O. Box 3120, Milwaukee, WI 53201-3120.
agency that is not correct, you may write to us at: Kohl's, ATTN:
a separate sheet at the "Send Inquiries To" address shown on
Credit Administrator, P.O. Box 3115, Milwaukee, WI 53201-
Copyright ©2012 Capital One. All rights reserved.
your billing statement.
3115. Please include your name, address, Account number,
telephone number and a brief description of the problem and a
In your letter, give us the following information:
copy of the credit reporting agency report if you have it. We will
Account information: Your name and account number.
investigate the matter. If our investigation shows that you are
right, we will contact each credit reporting agency to which
Dollar amount: The dollar amount of the suspected error.
we reported the information and will request they correct the
Description of problem: If you think there is an error on
report. If we disagree with you after our investigation, we will
your bill, describe what you believe is wrong and why you
tell you in writing or by telephone.
believe it is a mistake.
17. Credit Balances: You may request a refund of any credit
You must contact us:
balance at any time. Otherwise, we will apply it to any new
Within 60 days after the error appeared on your statement.
charges on your Account or provide the refund to you as
required by law.
At least 3 business days before an automated payment
is scheduled, if you want to stop payment on the amount
18. Telephone Monitoring and Recording: In order to assure
you think is wrong.
that you receive the best possible customer service, and that
our employees and agents are complying with our policies and
You must notify us of any potential errors in writing. You may call
all applicable laws in their contacts with you, on occasion, we
us, but if you do we are not required to investigate any potential
or our agents may record your call or we may have a second
errors and you may have to pay the amount in question.
employee listening to customer calls. You consent to the
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
recording and monitoring of calls and further authorize us or
our agents to contact you by telephone for any lawful purpose
When we receive your letter, we must do two things:
including the offering of products or services that Kohl's or we
1. Within 30 days of receiving your letter, we must tell you
believe may be of interest to you.
that we received your letter. We will also tell you if we
19. Communications/Change of Information: We can
have already corrected the error.
provide cards, billing statements and other communications
2. Within 90 days of receiving your letter, we must either
to you at any mailing address or email address shown in our
correct the error or explain to you why we believe the
records. If you change your contact information such as any
bill is correct.
3
Rev. 4/2012
WHAT DOES CAPITAL ONE®
FACTS
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.
What?
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
How?
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?
Can you limit this
sharing?
For our everyday business purposes - such as to
process your transactions, maintain your account(s),
Yes
No
respond to court orders and legal investigations, or
report to credit bureaus
For our marketing purposes - to offer our products
Yes
No
and services to you
For joint marketing with other financial companies
Yes
No
For our affiliates' everyday business purposes -
No
We don't share
information about your transactions and experiences
For our affiliates' everyday business purposes -
No
We don't share
information about your creditworthiness
For nonaffiliates to market to you
No
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?
This notice is provided by Capital One, National Association with
respect to your Kohl's credit card.
What we do
How does Capital One protect
To protect your personal information from unauthorized access
my personal information?
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
We collect your personal information, for example, when you
my personal information?
Open an account or give us your contact information
Use your credit or debit card or pay your bills
Give us your income information
We also collect your personal information from others, such as
credit bureaus, affiliates, or other companies.
Why can't | limit all sharing?
Federal law gives you the right to limit only
Sharing for affiliates' everyday business purposes -
information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights
to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates
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.