INTEREST RATES AND INTEREST CHARGES

a
Annual Percentage Rate (APR) 27.24%
for Purchases This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest Your due date will be a minimum of 25 days following the close of each billing
on Purchases cycle. We will not charge interest on new purchases provided you have paid
your entire balance in full by the due date each month.
Minimum Interest Charge If you are charged periodic interest, the charge will be no less than $1.00.
For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card,
Consumer Financial Protection visit the website of the Consumer Financial Protection Bureau at
Bureau http://www.consumerfinance.gov/learnmore.

FEES
Annual Fee None.
Penalty Fees
Late Payment Up to $38.
Returned Payment Up to $38.

How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). See
“Periodic Interest Charge Calculation” section of this Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this
Agreement. See “Your Billing Rights” section for full details.
Prime Rate: Estimated variable APRs are based on the 5.5% Prime Rate.
a. We add 21.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.27%).
The information about the costs of the credit card account described above is accurate as of January 1, 2019. 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
up credit reports on you.
of each credit bureau from which we obtained a report 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 knowledge of the adverse obligation. All obligations
2. You are providing information in this application to 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
To help the government fight the funding of terrorism
York State Department of Financial Services to obtain a
5. We will review your credit history to determine if you and money laundering activities, federal law requires
comparative listing of credit card rates, fees and grace
qualify for an account and, if so, your credit line. Based all financial institutions to obtain, verify, and record
periods.
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). What this means for you: When you open an account,
creditdebt.htm
we will ask for your name, address, date of birth, and
7. You acknowledge that you must provide additional California Residents: Applicants: 1) may, after credit other information that will allow us to identify you.
information electronically, including income. Alimony, 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.

186748 ICOOFR 0119.indd 2 1/2/19 9:32 AM

 KOHL’S CARDMEMBER AGREEMENT 9. Payments: inactive for a period of time; (ii) your Account becomes past due and you do not
This agreement (“Agreement”) governs your Kohl’s credit card account (“Account”) Minimum Payment. You must make your minimum payment in a way that we make it current for a period of time. Our print marketing offers cannot be sent to
with us. Please keep this Agreement for your records. You agree with us that the receive it by the time and date it is due. The minimum payment for your Account addresses outside of the United States or Canada or to military addresses. Our
following terms apply to your Account. includes the minimum payment due on each Credit Plan. You may make payments offers will not be forwarded by the postal service, so you must contact us to update
greater than your required minimum payment. This will reduce the interest charges your address after moving in order to continue receiving offers. If you need to
Capital One, N.A. and Kohl’s may exchange information about you and your update your address or any of your contact information or would like to opt-out
Account(s) so that you can receive the benefits of the Kohl’s Charge program that are added to your Account.
of receiving our print marketing offers, please call the customer service telephone
and so that Kohl’s can inform you of additional information, offers and Your minimum payment will be the larger of: i) $27 (or total amount you owe if less number on your card or statement.
opportunities. than $27); or ii) the sum of 1% of the New Balance (which does not include balances
on any Special Repayment Term Reduced APR Promotional Credit Plan), plus the 20. Communications: You agree that we may communicate with you by mail,
1. Definitions and Card Usage: In this Agreement, the words “you”, “your”, and telephone, email, fax, prerecorded message, automated voice, text message, or
“cardmember” refer to each person who applies for the Account and each person periodic interest charges, plus any amount required under any Special Repayment
Term Reduced APR Promotional Credit Plan, plus any penalty fees billed on the other means allowed by law regarding your Account. You authorize us, or anyone
who agrees to be liable on the Account. The words “we,” “us,” and “our” refer to acting on our behalf, to call or send a text message to any number you provide or to
Capital One, N.A., the creditor and issuer of the Account and any other person to Statement for which your minimum payment is calculated. We will also add any
amount past due to your minimum payment. In addition to the minimum payment, any number where we reasonably believe we can contact you. These include calls
whom this Agreement and/or the Account may be assigned. “Kohl’s” means Kohl’s to mobile, cellular, or similar devices, and calls using automatic telephone dialing
Department Stores, Inc., N56 W17000 Ridgewood Dr., Menomonee Falls, Wisconsin you may pay all or part of the total balance on your Account. But, you must still pay
at least the minimum payment amount each month, even if you paid more than the systems and/or prerecorded messages. We may also send an email to any address
53051. Kohl’s is servicing your Account on our behalf and is also referred to alone where we reasonably believe we can contact you. You agree that we may monitor or
or together with others as an agent. The word “Card” means the card issued to you minimum payment due on the previous Statement.
record any conversation or other communication with you.
under this Agreement that may be used to make purchases at Kohl’s. You agree How We Apply Your Payments. In each billing cycle, we generally apply payments
that all purchases made using the Account shall be only for personal, family, or up to your minimum payment amount to satisfy the minimum payment due on 21. Established Business Relationship: You further agree that you have an
household purposes. “Credit Plan” means any plan we may establish and make each Credit Plan, first to the highest APR Credit Plan balance and then to lower established business relationship with us and with Kohl’s and that we both may
available on your Account that is subject to a unique annual percentage rate (“APR”) APR Credit Plan balances. We will apply any part of your payment exceeding your contact you from time to time regarding your Account and products and services
or other terms. The sum of your Credit Plan balances equals your total Account minimum payment first to the balance with the highest APR, and then to balances that we or Kohl’s believes may be of interest to you. You agree that all such contacts
balance. “New Balance” means the amount displayed as the New Balance on each with lower APRs. are not unsolicited and may be monitored to assure quality service.
billing Statement. Payment Instructions. You agree to pay us amounts you owe in U.S. dollars. You 22. GOVERNING LAW: THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND
2. Amendments: We have the right to change the terms of this Agreement must use a check, money order or electronic debit drawn on a U.S. bank or a foreign YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH
for any reason, and in any respect, by adding, deleting or modifying any bank branch in the U.S. We will not accept cash payments through the mail. When FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF VIRGINIA,
provision, including APRs, fees, the minimum payment and other terms. We we receive or apply a payment, we might not restore your credit line by that amount WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF VIRGINIA,
can add a new provision without regard to whether the provision deals with a for up to 15 days. WHERE YOUR ACCOUNT AND WE ARE LOCATED, WILL APPLY NO MATTER WHERE
matter already addressed by this Agreement. YOU LIVE OR USE THE ACCOUNT.
For mailed payments, your Statement and the envelope it comes in give you
In certain circumstances, we are required by law to notify you of changes instructions about how, when and where to make your payments. You must follow 23. Assignment: We may assign your Account, any amounts you owe us, or any of
to the terms of this Agreement, and in other circumstances we may not be these instructions. Your payment will not be credited to your Account before we our rights and obligations under this Agreement to a third party. The person to whom
required to do so. When required by law to advise you that you have a legal receive it at the address we specify for receipt of payments and in accordance with we make the assignment will be entitled to any of our rights that we assign to that
right to reject any changes we make, we will provide an explanation about the payment instructions. person. You may not assign this Account.
how to do that. Payments made in store by close of business will be credited as of date payment 24. Enforcing this Agreement: We can delay enforcing or not enforce any of our
In some circumstances, APRs or other aspects of your Account may change was received. rights under this Agreement without losing our right to enforce them in the future.
even though the terms of the Account do not change, for example when the If any of the terms of this Agreement are found to be unenforceable, all other terms
If you make a payment marked as paid in full or indicate that it is to pay all amounts will remain in full force.
Prime Rate changes. you owe us, you must send that payment to the special address on the back of
3. Account Information: We request certain information about you to manage your your Statement. That address is called the “Conditional Payments” address. We may 25. Military Lending Act (MLA)
Account.This includes: accept a conditional payment and not agree that it pays all amounts you owe on Federal law provides important protections to members of the Armed Forces and
(1) your legal name; your Account. Also, we may return a conditional payment to you and you will still their dependents relating to extensions of consumer credit. In general, the cost
(2) a valid mailing address and residential address (if different); owe us the amount of the payment or any other amounts owed on your Account. of consumer credit to a member of the Armed Forces and his or her dependent
(3) your date of birth; You authorize us to collect any payment check either electronically or by draft. We may not exceed an annual percentage rate of 36 percent. This rate must include,
(4) your Social Security number or other government identification number; can collect your payment checks electronically by sending the check number, check as applicable to the credit transaction or account, the costs associated with credit
(5) your telephone and cell phone number(s); amount, account and routing numbers to your bank. Or we can collect these checks insurance premiums; fees for ancillary products sold in connection with the credit
(6) your income information; and by sending a draft drawn on your bank account. Funds may be taken from your bank transaction; any application fee charged (other than certain application fees for
(7) your email address. account on the same day we receive your payment. We will not keep your original specified credit transactions or accounts); and any participation fee charged (other
check, just a copy of it. than certain participation fees for a credit card account).
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 You may use our optional services to make payments electronically through our To hear this same disclosure and a general description of your payment obligations
shown on your Statement. website, our automated telephone service or our customer service advisors. You for this credit card account, please call us toll-free at: 1-888-832-0059.
We may obtain telephone and cell phone numbers, mailing address and email do not have to use these other payment services, and we may charge you a fee for During any period in which the Military Lending Act (“the Act”) applies to you, no
address information from you, third parties, caller ID and other sources. We may expedited payments made with a customer service advisor. If we do, we will tell you provision of your Cardholder Agreement that is inconsistent with the Act shall apply
accept mailing address corrections from the United States Postal Service, third the amount of the fee at the time you request the service. We are not responsible and your Cardholder Agreement shall be interpreted to comply with the Act.
parties and other sources. if a payment made using our payment services is rejected or not paid. Even if it is, Your Cardholder Agreement shall be interpreted to comply with the Military Lending
we may still keep the fee. Act, including the Military Lending Act’s restrictions on permissible loan terms and
4. Promise to Pay: 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 10. Legal Notices: For important information regarding your right to dispute billing limitations on interest and fees for customers covered by the Military Lending Act.
any interest, fees and other charges set forth below, according to the terms of this errors under federal law, see the section marked “Your Billing Rights” that accompanies Any excess interest or fees charged or excess amounts collected shall be credited
Agreement. If more than one person has applied for or is liable on this Account, then your copy of this Agreement. All notices relating to legal actions, including bankruptcy or refunded. No provision of your Cardholder Agreement that is inconsistent with the
(a) each of you will be responsible for paying all charges incurred by either of you notices, must be sent to us, through our agent, at Kohl’s, ATTN: Credit Administrator, Military Lending Act shall apply.
or anyone either of you permit to use this Account; (b) we can provide Statements P.O. Box 3043, Milwaukee, WI, 53201-3043. Legal notices sent to any other addresses 26. FOR INFORMATION: For information about your Account, please call the
and communications to any of you; and (c) notice to one of you will be considered will not satisfy the legal requirement that you provide us with notice. customer service telephone number on the back of your card or monthly statement,
notice to all of you. 11. No Waiver By Us: We reserve the right to delay or refrain from enforcing any of or write us at Kohl’s, Attn: Credit Administrator, P.O. Box 3120, Milwaukee, WI.
5. Authorized Users: If you ask us to issue a Card to any other person, they are an our rights under this Agreement without losing them. For example, we can extend YOUR BILLING RIGHTS: Keep this Document for Future Use
“Authorized User.” We may require certain information about them. We may limit 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 This notice tells you about your rights and our responsibilities under the Fair Credit
their ability to use your Card. They may have access to certain information about Billing Act.
your Account. You will be responsible for paying all charges on your Account made when they are due.
by an Authorized User, You agree to notify each Authorized User,at the time he or 12. Returned Payment Fee: We may charge you this fee each time any payment WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
she becomes an Authorized User, that we may receive, record, exchange and use you make to us is not paid by your financial institution for any reason, even if that If you think there is an error on your statement, write to us on a separate sheet at
information about him or her in the same manner we do with information about you institution later pays it. The returned payment fee is up to $38. the “Send Inquiries To” address shown on your billing statement.
as described in this agreement. 13. Late Payment Fee: We may charge a late payment fee if we do not receive In your letter, give us the following information:
If you want to remove an Authorized User from your Account, you must contact us at at least the required minimum payment for any billing cycle by the date and time • Account information: Your name and account number.
the Customer Service telephone number on your Statement or on the back of your it is due. Your late payment fee will be zero if your balance is $15 or less, $15 if
Card and request their removal. They will be able to use your Account until you have your balance is greater than $15 but less than $50.01, and $27 if your balance • Dollar amount: The dollar amount of the suspected error.
notified us that you are removing them from your Account. During this time, you will is greater than $50. The late payment fee will not exceed the amount of your • Description of problem: If you think there is an error on your bill, describe what
still be responsible for all amounts they charge to your Account. You will be responsible minimum payment due. If you pay late and then pay late again in any of the next six you believe is wrong and why you believe it is a mistake.
even if these amounts do not appear on your Account until later. Authorized Users may consecutive billing cycles the late payment fee will be up to $38.00 until you have
remove themselves from your Account upon request. We reserve the right to remove paid your minimum payment when due for six consecutive billing cycles. You must contact us:
them from your Account. To remove them from your Account, we may close your 14. Default/Collection Costs. You will be in default if you fail to pay any minimum • Within 60 days after the error appeared on your statement.
existing Account and issue a new Card with a new Account number. payment by the time and date it is due, if you breach any other promise or • At least 3 business days before an automated payment is scheduled, if you want
6. When Effective: Your signature, including any electronic signature, on the obligation under this Agreement, if you become incapacitated or die, or if you file to stop payment on the amount you think is wrong.
application for this Account or on any sales receipt, or your use of this Account, is for bankruptcy. Subject to applicable law, we may also consider you to be in default You must notify us of any potential errors in writing. You may call us, but if you do
your consent to the terms of this Agreement with us and your acknowledgement under this Agreement at any time if any statement made by you to us in connection we are not required to investigate any potential errors and you may have to pay
of delivery of a copy of this Agreement to you. The information you provide or have with this Account or any other credit program with us was false or misleading; if we the amount in question.
previously provided on the application that identifies you constitutes a part of this receive information indicating that you are bankrupt, intend to file bankruptcy, or are
Agreement and is incorporated in it by reference. For new Account applicants, this unable to pay your debts as they become due; or we receive information leading us WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
Agreement will not be effective until we approve your application, and then, after to conclude that you are no longer creditworthy. In evaluating your creditworthiness, When we receive your letter, we must do two things:
that only if you or someone authorized by you charges a purchase to this Account. 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 1. Within 30 days of receiving your letter, we must tell you that we received your
7. Billing Cycle, Paying Interest, Variable Rates, Annual Percentage Rates letter. We will also tell you if we have already corrected the error.
(“APR”), Minimum Interest Charge, Promotional Credit Plans: 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 2. Within 90 days of receiving your letter, we must either correct the error or
Billing Cycle/Statements. In order to manage your Account, we divide time into have under applicable law, we may demand that you pay the entire unpaid balance explain to you why we believe the bill is correct.
periods called billing cycles. Each billing cycle is approximately one month in length. due. If the Account is referred to an attorney, you agree to pay our reasonable
For each calendar month your Account will have a billing cycle ending in that month. While we investigate whether or not there has been an error:
attorney’s fees, but only to the extent and in the amount permitted by applicable
We will provide a billing statement (“Statement”) each month one is required by law, and court costs will also be recovered where permitted by applicable law. • We cannot try to collect the amount in question, or report you as delinquent on
applicable law. Your Account will have a billing cycle ending in each calendar month that amount.
whether or not there is a Statement for that billing cycle. 15. Your Credit Limit and Canceling or Limiting Your Credit: We will assign a
credit limit to your Account. Your credit limit appears on your Statement. You are • The charge in question may remain on your statement, and we may continue to
Paying Interest. We begin assessing periodic interest charges on a transaction, fee, responsible for keeping track of your Account balance including any fees and charge you interest on that amount.
or interest charge from the date it is added to your daily balance as described in this interest charges and making sure it remains below your credit limit. We may but are • While you do not have to pay the amount in question, you are responsible for the
Agreement until your Account is paid in full. You can avoid periodic interest charges not required to authorize charges that go over your credit limit. You must pay any remainder of your balance.
on new purchases, provided you have paid your statement’s entire New Balance amount over your credit limit and you must pay us immediately if we ask you to do
(excluding balances on any Special Repayment Term Reduced APR Credit Plan) in • We can apply any unpaid amount against your credit limit.
so. This Agreement applies to any balance over your credit limit. We may change or
full by the due date each month (see Promotional Credit Plans). Your due date is at cancel your credit limit without telling you ahead of time. If we do, it will not excuse After we finish our investigation, one of two things will happen:
least 25 days after the close of each billing cycle. you from your obligations to pay us. • If we made a mistake: You will not have to pay the amount in question or any
Variable Rate. The APR for Purchases may vary with changes to the Prime Rate. We You may close your Account at any time. We may require you to provide a closure interest or other fees related to that amount.
calculate a variable APR by adding a margin to the Prime Rate published in The Wall request in writing. Except as required by applicable law, we may close your Account • If we do not believe there was a mistake: You will have to pay the amount in
Street Journal on the last business day of March, June, September and December. or suspend your credit privileges or any feature on your Account at any time for question, along with applicable interest and fees. We will send you a statement
The APR calculated in this way will be effective as of the first day of the billing cycle any reason, including Account inactivity, without notice. If we close your Account of the amount you owe and the date payment is due. We may then report you as
that begins in the following month. or suspend your credit privileges or any feature, we will not be liable to you for any delinquent if you do not pay the amount we think you owe.
APR for Purchases. The Prime Rate plus 21.74%, currently 27.24% (monthly 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 If you receive our explanation but still believe your bill is wrong, you must write to us
periodic rate 2.27%). The APR and monthly periodic rate stated are estimates based within 10 days telling us that you still refuse to pay. If you do so, we cannot report
on the 5.5% Prime Rate. them to us upon request. You will continue to be responsible for charges to your
Account according to the terms of this Agreement. you as delinquent without also reporting that you are questioning your bill. We must
Promotional Credit Plans. From time to time, we may offer one or more Promotional tell you the name of anyone to whom we reported you as delinquent, and we must
Credit Plans prior to or at the time of your purchase. Only certain purchases may 16. Credit Cards, Lost/Stolen Credit Cards and Liability for Unauthorized Use: If let those organizations know when the matter has been settled between us.
be eligible for Promotional Credit Plans. These plans may have special repayment 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 If we do not follow all of the rules above, you do not have to pay the first $50 of the
terms and are conditioned on your timely payment of at least the required payment amount you question even if your bill is correct.
amount each billing cycle: a.) Reduced Rate Credit Plan - With this plan, you has used your Account without your permission, you must tell us immediately. Call
will receive a reduced APR on your purchase for a specified period; b.) Special us at 1-800-564-5740 or write to us at: Kohl’s, ATTN: Credit Administrator, P.O. Box YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
Repayment Term Reduced APR Credit Plan - with this plan, a special repayment 3120, Milwaukee, WI 53201-3120. Do not use your Account after you notify us. We If you are dissatisfied with the goods or services that you have purchased with
term will be applied to the reduced APR Promotional Credit Plan purchase for the may end your credit privileges and close your Account if we consider it appropriate. your credit card, and you have tried in good faith to correct the problem with the
specified period. You agree to provide us information to help us find out what happened. You will not merchant, you may have the right not to pay the remaining amount due on the
be liable for any unauthorized use that occurs after you notify us. You may, however, purchase.
If you make more than one purchase on your card, the balances for the Promotional be liable for unauthorized use that occurs before your notice to us. In any case, your
Credit Plan purchases may be treated differently than other balances. We will advise liability will not exceed $50. To use this right, all of the following must be true:
you if your participation in certain program features limits your eligibility for any
Promotional Credit Plan. 17. Credit Information: We may obtain and use credit and income information 1. The purchase must have been made in your home state or within 100 miles
about you from consumer (credit) reporting agencies and other sources. We may of your current mailing address, and the purchase price must have been more
Minimum Interest Charge. We may charge no less than the minimum interest report information about you and your Account to credit reporting agencies. If than $50. (Note: Neither of these are necessary if your purchase was based on
charge of $1.00 if any periodic interest is due for a billing cycle. you request additional cards on your Account for others, we may report Account an advertisement we mailed to you, or if we own the company that sold you
8. Periodic Interest Charge Calculation – Average Daily Balance (Including information in your name as well as in the names of those other people. If you think the goods or services.)
New Purchases): We figure the periodic interest charges on your Account by we have reported information to a credit reporting agency that is not correct, you 2. You must have used your credit card for the purchase. Purchases made with
applying the applicable monthly periodic rates to the “average daily balance” of may write to us at: Kohl’s, ATTN: Credit Administrator, P.O. Box 3115, Milwaukee, cash advances from an ATM or with a check that accesses your credit card
your Account (including current transactions). To get the “average daily balance” WI 53201-3115. Please include your name, address, Account number, telephone account do not qualify.
for each balance type (balances on Promotional Credit Plans and balances for other number and a brief description of the problem and a copy of the credit reporting
amounts), we take the beginning balance of each applicable balance type each day, 3. You must not yet have fully paid for the purchase.
agency report if you have it. We will investigate the matter. If our investigation shows
add any new purchases, unpaid interest charges, fees, other charges and debit that you are right, we will contact each credit reporting agency to which we reported If all of the criteria above are met and you are still dissatisfied with the purchase,
adjustments, then subtract any payments, credits or credit adjustments. This gives the information and will request they correct the report. If we disagree with you after contact us in writing on a separate sheet at the “Send Inquiries To” address shown
us the daily balances. Then, we add up all the daily balances for each balance type our investigation, we will tell you in writing or by telephone. on your billing statement.
and divide the total by the number of days in the billing cycle. This gives us the 18. Credit Balances: You may request a refund of any credit balance at any time. While we investigate, the same rules apply to the disputed amount as discussed
“average daily balance” for each balance type. Otherwise, we will apply it to any new charges on your Account or provide the above. After we finish our investigation, we will tell you our decision. At that point, if
On the first day of each billing cycle we add to the daily balance the unpaid periodic refund to you as required by law. we think you owe an amount and you do not pay, we may report you as delinquent.
interest charges from the prior billing cycle (in this way we compound interest on 19. Credit Marketing: If you are eligible to receive Kohl’s Charge print marketing Copyright ©2019 Capital One. All rights reserved.
a monthly basis). Purchases and fees are added to your daily balance as of the offers, Kohl’s may, in its discretion, suspend your offers under the following
transaction date or a later date of our choice. circumstances, without limitation: (i) your Account has limited activity or becomes
CMA-01/19
1

Cardmember Agreement 0119.indd 1 1/2/19 9:47 AM

 Rev. 09/2016
FACTS WHAT DOES CAPITAL ONE DO WITH YOUR PERSONAL INFORMATION?
®

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law
Why?
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

Does Capital One share? Can you limit this sharing?
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 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

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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.

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