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 to 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 to the terms of the Cardmember Agreement. If you
open your account in a Kohl’s store you acknowledge receipt
of this disclosure and a copy of the Cardmember Agreement
before your first purchase.
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.
6.You must be at least 18 years old to qualify (19 in AL and NE).
7. You acknowledge that you must provide additional
information electronically, including income. Alimony, child
support or separate maintenance income need not be revealed
if you do not wish it to be considered as a basis for repaying
this obligation.
8. You acknowledge that you have read and agree to be bound
by the important rate and fee disclosures and the terms stated
under this Authorization and the Cardmember Agreement
section of the disclosures attached to this form. You agree that
we may verify your information, check your credit history and
secure follow-up credit reports on you.
Ohio Residents: The Ohio laws against discrimination require
that all creditors make credit equally available to all customers,
and that credit reporting agencies maintain separate histories
on each individual upon request. The Ohio Civil Rights
Commission administers compliance with the law.
New York and Vermont Residents: Capital One may obtain
at any time your credit reports, for any legitimate purpose
associated with the account or the application or request for
an account, including but not limited to reviewing, modifying,
renewing and collecting on your account. On your request, you
will be informed if such a report was ordered. If so, you will be
given the name and address of the consumer reporting agency
furnishing the report. New York residents may contact the
New York State 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/consumer/creditdebt.htm
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. 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.
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 responsible for keeping
track of your Account balance including any fees and interest
charges and making sure it remains below your credit limit.
We may but are not required to authorize charges that go over
your credit limit. You must pay any amount over your credit
limit and you must pay us immediately if we ask you to do
so. This Agreement applies to any balance over your credit
limit. We may change or cancel your credit limit without telling
you ahead of time. If we do, it will not excuse you from your
obligations to pay us.
You may close your Account at any time. We may require you
to provide a closure request in writing. Except as required by
applicable law, we may close your Account or suspend your
credit privileges or any feature on your Account at any time
for any reason, including Account inactivity, without notice. If
we close your Account or suspend your credit privileges or any
feature, we will not be liable to you for any consequences that
result. If you or we close your Account, you and any authorized
users must stop using your Account immediately and destroy
all cards or return them to us upon request. You will continue
to be responsible for charges to your Account according to the
terms of this Agreement.
