I-07/13 

INTEREST RATES AND INTEREST CHARGES 
Annual Percentage Rate (APR) 
for Purchases 
Penalty APR and When It 
Applies 

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

23.99%a
26.99%b
This APR will be applicable to your Account if you: 
•  fail to make any Minimum Payment by the date and time due (late 

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

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. 
Your due date will be a minimum of 25 days following the close of each 
billing cycle. We will not charge interest on new purchases provided you 
have paid your previous balance in full by the due date each month. 
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 Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

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 20.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 1.999%). 
b. We add 23.74% to the Prime Rate to determine the Penalty APR (monthly periodic rate currently 2.249%). 

The information about the costs of the credit card account described above is accurate as of July 1, 2013. 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 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.  You  are  providing  information  in  this  application 
to Capital One and Kohl’s. Capital One may provide 
information  about  you  (even  if  your  application  is 
declined)  to  Kohl’s  so  that  they  can  create  and 
update their records, and provide you with services 
and special offers. 
3. By using the account or any card, or authorizing 
their  use,  you  agree 
the 
Cardmember Agreement. If you open your account 
in  a  Kohl’s  store  you  acknowledge  receipt  of  this 
the  Cardmember 
disclosure  and  a  copy  of 
Agreement before your first purchase. 
4. 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. 
5. 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. 

terms  of 

the 

to 

6. 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 
the  New  York  State 
residents  may  contact 
Department  of  Financial  Services 
to  obtain  a 
comparative  listing  of  credit  card  rates,  fees  and 
grace periods.  
New York State Department of Financial Services - 
1-877-226-5697 or http://www.dfs.ny.gov 
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 
ABOUT 
PROCEDURES FOR OPENING A NEW ACCOUNT 
To  help 
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. 

the  government 

INFORMATION 

fight 

the 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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.  

Capital One, N.A. and its affiliates (“Kohl’s”) may 
information  about  you  and  your 
exchange 
account(s)  so  that  you  can  receive  the  benefits 
of the Kohl’s Charge program and so that Kohl’s 
can  inform  you  of  additional  information,  offers 
and opportunities. 

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.  You  agree  that  all  purchases 
made  using the  Account shall  be  only  for  personal, 
family, or household purchases. 

fees, 

including  APRs, 

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, 
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 
the 
Penalty  APR  becomes  applicable.  See 
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 
this 
reference.  For  new  Account  applicants, 
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. 
Interest.  We  begin  assessing  periodic 
Paying 
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  provided  you  pay  your  previous 
balance in full by the due date each month. 
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 
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 20.74%, 
currently  23.99%  (monthly  periodic  rate  1.999%). 
The  APR  and  monthly  periodic  rate  stated  are 
estimates based on the 3.25% Prime Rate. 
Penalty  APR.  The  Prime  Rate  plus  23.74%, 
currently  26.999%  (monthly  periodic  rate  2.249%). 
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 

time. 

B.  make  a  payment  to  us  that  is  returned 

unpaid. 

future 

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 
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 
If  we  do  not  receive  any  Minimum 
increase. 

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. 

Interest  Charge  Calculation  – 
6.  Periodic 
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 
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. 

the  prior  billing  period  (in 

fees  billed  on 

Instructions.  You  agree 

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 
the 
late 
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. 
to  pay  us 
Payment 
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. 
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 
telephone  service  or  our  customer 
automated 
service advisors. We will provide the terms for these 
payment services before you use them. 

important 

that  accompanies  your  copy  of 

8.  Legal  Notices:  For 
information 
regarding  your  right  to  dispute  billing  errors  under 
federal  law,  see  the  section  marked  “Your  Billing 
Rights” 
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, 
to  any  other 
53201-3043.  Legal  notices  sent 
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. 

If  any  check, 
10.  Returned  Payment  Fee: 
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 
the  next  six 
consecutive billing periods the late payment fee will 
be  up  to  $35.00  until  you  have  paid  your  Minimum 
for  six  consecutive  billing 
Payment  when  due 
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. 

in  any  of 

late  again 

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 
information 
false  or  misleading; 

if  we  receive 

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. 

including  any 

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 
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. 

for  others,  we  may 

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 
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 
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. 

to  which  we 

reported 

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 
the  offering  of  products  or 
services that Kohl’s or we believe may be of interest 
to you. 

including 

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 
incoming 
any 
communications 
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 
systems  and/or 
automatic 
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 
transactions  on  or 
theft;  obtaining 
servicing  of  your  Account;  collecting  on  your 
Account;  and  providing  you 
information  about 
products and services. 

charge(s) 
us, 

telephone  dialing 

for 
and/or 

information; 

fee(s) 

from 

or 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 

IN 

21.  GOVERNING  LAW:  THE  TERMS  AND 
ENFORCEMENT  OF  THIS  AGREEMENT  AND 
YOUR  ACCOUNT  SHALL  BE  GOVERNED  AND 
INTERPRETED 
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 
telephone  number  on  your  card  or 
service 
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. 

While  we  investigate  whether  or  not  there  has 
been an error: 

•  We  cannot 

in 
to  collect 
question,  or  report  you  as  delinquent  on  that 
amount. 

the  amount 

try 

•  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 
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. 

let 

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 ©2013 Capital One. All rights reserved. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FACTS  WHAT DOES CAPITAL ONE® DO WITH YOUR PERSONAL INFORMATION? 

Rev. 07/2013 

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 can 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 

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 

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 

Call 1-800-564-5740 for customer service. 

Does Capital One 
share? 
Yes 

Can you limit this 
sharing? 
No 

Yes 

Yes 

No 

No 

Yes 

No 

No 

We don’t share 

We don’t share 

Yes 

To limit our 
sharing 

Please note: 
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? 

What we do 

How does Capital One protect my 
personal information? 

How does Capital One collect my 
personal information? 

Why can’t I limit all sharing? 

What happens when I limit 
sharing for an account I hold 
jointly with someone else? 
Definitions 

This notice is provided by Capital One 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. 
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. 
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. 
Your choices will apply to everyone on your account. 

Affiliates 

Nonaffiliates 

Joint Marketing 

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

•  Capital One does not share with our affiliates. 

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. 

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 and does not apply to any 
other accounts you have with the Capital One family of companies. 

© 2013 Capital One. Capital One is a federally registered service mark. All rights reserved.