what is protected balance on kohls card. Mines went from $300. what is protected balance on kohls card

 
 Mines went from $300what is protected balance on kohls card  This information can be viewed in the Account Summary at My Kohl’s Card 24 hours after your payment has been posted to your account

This card is great for getting 30 and sometimes 40% off offers at Kohl's. Here you will see balance information as well as payments and purchases. 2: Check your balance online. 99% - 29. Best Balance Transfer Credit Cards. Your earnings will be added to your Kohl’s Rewards balance within 48 hours of your purchase, unless otherwise stated. Once an introductory balance transfer APR expires, any remaining. We would like to show you a description here but the site won’t allow us. Must present coupon in store or enter code at Kohls. The Kohl's Credit Card does not offer price protection. DOLLAR-OFF COUPONS, INCLUDING KOHL'S CASH®, WILL BE APPLIED PRIOR TO PERCENT-OFF TOTAL PURCHASE COUPONS. 5% back in rewards on every qualifying purchase made at Kohl's; APR: 30. com or order questions, call 855-564-5705. Follow the steps to reset your Kohl’s password. Turns out someone hacked my Kohls online account, which is linked to my Kohls credit card, ordered up to the CC limit, and had all the stuff shipped to me just to get the Kohls cash. - Glycerin: Provides moisture for healthy-looking, shiny hair. Kohl's Cash. For the quarter the company reported a net loss of $302 million ($2. In Your Kohl’s Wallet: To see your current balance, you can enter your Kohl's Cash and/or gift card into your. Keep in mind that you are not required to pay the entire balance by the due date. Click to “Continue”. E-mail general. Welcome to the cs. The terms “we,” “us” or “our” in the defined terms section below have the meaning given to them in your credit card contract with your issuer. com: The quickest and easiest way to check the balance of your gift card or Kohl’s Cash is to visit Check My Balance . Received In Store: Received Online: If you have questions about your Gift Cards or Kohl's Cash, please call Customer Service at (866) 887-8884. Alpha Digital Iphone 14 - Protective Case W/ Luxury Soft Cloth & Deer Design- Anti-dirt/shock. KOHLS, I JUST FOUND OUT YOUR COMPANY HAS DOUBLED YOUR CUSTOMERS INTEREST RATES MONTHLY,. Weight Capacity of Tabletop: 110 lbs. You cannot look up your full card number through your online account, but a Kohl’s cashier can look it up. Customers who use their Kohl’s Card along with Kohl’s Rewards earn 7. Kohl's Credit Card users can also earn 7. Considers applicants with fair credit. O. The APR for the Kohl’s credit card is 24. Sign-up bonus: None. While most people don’t get the highest limit upon applying, you can request a limit. 5%, meaning. "no". Shopping Rewards Categories: Chase Freedom Unlimited® Learn More on issuer's website. Kohl’s through its mobile website or mobile applications, or simply by using Kohl’s Wi-Fi Services in our Stores, Kohl’s may collect mobile device identification and precise, real-time location-based information from technologies like Wi-Fi, or cell tower triangulation (or a combination of these technologies). Syd Jones, WalletHub Credit Card Analyst. Checking your Kohl’s Gift Card balance history can offer several benefits that enhance your shopping experience and financial management. Size. Zero fees, choice of fixed or variable interest rates and cash rewards for good grades. The Kohl's Credit Card is a store-only card and is not. Kohl's Card Overall Rating: 3. g. Here’s how to check the balance on your Kohl’s gift card: 1: Visit any Kohl’s store and ask a cashier to check the balance for you. details Fast & free store pickup! details Take 15% off in store & online with code GOSHOP15. “Kohl’s” means Kohl’s Department Stores, Inc. Kohl’s is servicing your Account on our behalf and is also referred to. 00 to $700. Free shipping with $25 purchase. If you spend more than $600 per year on the card you get a card. , Menomonee Falls, Wisconsin 53051. After 30% off : $26. Received In Store: Received Online: If you have questions about your Gift Cards or Kohl's Cash, please call Customer Service at (866) 887-8884. Received In Store: Received Online: If you have questions about your Gift Cards or Kohl's Cash, please call Customer Service at (866) 887-8884. Total price for the outfit: $51. Your earnings will be added to your Kohl's Rewards balance within 48 hours of your purchase. Spend $600 this year to become an MVC and enjoy Free Shipping events + more See benefitsHow to Check Kohl’s Rewards Balance. This information can be viewed in the Account Summary at My Kohl’s Card 24 hours after your payment has been posted to your account. What it is: A spray that keeps straight, wavy, or curly frizz-prone hair silky, glassy, and frizz-free for days. Best 0% APR Credit Cards. until 9 p. The late fee for the Kohl's Credit Card can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009. While 7. Enter your ZIP/Postal code. Jenn Fitzgerald Kohl's. Gift Card Balance & Kohl’s Cash Balance; Kohl’s Card & Rewards. Kohl's Pay (In-store Payment Option). "no". Owning a Kohl's card adds incredible value to the Kohl's shopping experience! Here are just some of the benefits of owning one: All. . You only need one device to shop and save. This limit can range from anywhere between $500 to $5,000 per month. So did it again, still didn’t come out. Our suitcases are made from polycarbonate and diamond-debossed ABS hard-shell. Free shipping with $25 purchase. To make a purchase with the card, just visit any Kohl's Department Store and present your card at the time of purchase. Save with a Kohl's Coupon on jewelry, fashion, and toys + free shipping. “From the start of our partnership with Kohl’s in 2011, our shared focus on innovation and growth has allowed our organizations to strategically invest to deliver exceptional. No balance left. Card balance may also be obtained from a Kohl's Sales Associate, calling 1-800-655-0554 or online at Kohls. including My Kohl’s Card holders, are protected by federal law against unauthorized charges. why does Kohls charge two different interest rates? one for "protected balance" and the other for purchases. On the Statements page, you can view your past statements organized newest to oldest. A credit balance refund on the Kohl's Credit Card is a reimbursement for paying more than the total balance owed on the credit card. I realized there was a problem with their app & my payments. Enter your gift card number and PIN (if applicable) into the provided form. , N56 W17000 Ridgewood Dr. The Kohl's Credit Card is issued by Capital One and offers plenty of rewards for Kohl’s purchases as well as a $0 annual fee. Received In Store: Received Online: If you have questions about your Gift Cards or Kohl's Cash, please call Customer Service at (866) 887-8884. details. 5% in rewards on qualifying Kohl’s purchases. You can request an increase online or by calling 1 (877) 487-1638. 49) a share compared to a gain of $299 million or $2. Highlighted Ingredients: - Thermal Polymers: Conditions, adds shine, and protects hair from heat up to 450F. What percentage of the balance have you settled with them for?Kohl's Cash. December 30, 2019 ·. Kohl's Cash. Does not offer a. Earn 7. The Kohl’s Credit Card can only be used for Kohl’s. Curious as to what others have experience with Kohls credit line increase. When you sign up for Kohl’s Rewards, we typically ask you to provide your name, contact information (such as email address and telephone number), zip. 6001 Gateway Blvd W Ste 2. 5% Kohl’s Rewards on every purchase every day. Kohl's Cash. Peter Danes, Member. It has 4 different modes for kids to use: a 2-wheel balance bike, tricycle, bicycle, and auxiliary balance bike. Image: Kohl’s. Kohl's Department Store has replaced their Yes2You Rewards Program with Kohl's Rewards, which offers 5% cashback, for regular Kohl's Rewards members or 7. You can get a Kohl’s gift card balance check at any Kohl’s store by going to the customer service desk or a checkout. This information can be viewed in the Account Summary at My Kohl’s Card 24 hours after your payment has been posted to your account. The Bad. So I guess what I'm saying is that after 12 months they seem to grant the credit line increase. This card also offers $0 fraud liability protection and monthly credit bureau reporting, which are relatively common benefits for credit cards. Higher than average purchase APRs. To check your Kohl’s Rewards balance, follow these simple steps: 1. Kohl’s is likely showing up on your credit report because you applied for a Kohl's Credit Card, resulting in a hard inquiry. See your options below. Kohl’s Cash is awarded for the actual amount spent after all discounts and coupons have been applied and before tax and shipping is added. 5% when they use their Kohl’s Card — delivering 50% more in rewards for Kohl’s Card members who are also Rewards members. Updating Your Profile on My Kohl’s Card. Hard inquiries occur when a lender requests to review your credit report because you applied for a. Kohl’s credit bill — known as the Kohl’s Card — offers a variety of savings both coupons, but it can be used includes at Kohl’s and carries a high interest rate. The store’s credit card is called the Kohl’s Card. Kohl’s Rewards members also receive. A credit card’s statement balance is what you owe at the end of a billing cycle, while the current balance is how much you owe on your card at any given time. When paying Kohl's Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. 5% of Qualifying Purchases every day at a Kohl’s store or online when made with their Kohl’s Credit Card or Kohl’s Rewards Visa linked to their Kohl’s Rewards Account (“Kohl’s Rewards Cardholder Earn RateKohl's Cash. Simply access My Kohl’s Card to update your preferences and begin enjoying the benefits immediately! Statements are conveniently available 24/7! View, download or print your full statements anytime! Receive an email alert when a new statement is available through My Kohl's Card. There. To avoid an interest charge, we must receive your payment of the full "To Avoid Interest Charge Pay" by the due date. KOHL'S VALUE SERVICES, INC. Click the “Kohl’s Cash” tab in your shopping account profile. This may hurt your credit score for a short period of time. 7% and net sales decrease 8. The highest credit limit for a Kohl's Credit Card is $3,000, according to user reports. 99 percent. You earn 5% Kohl’s Rewards on every purchase, every day with any tender type but with a Kohl’s Card you earn 7. com shopping account. kohls. Key Facts About the Kohl's Credit Card. You will need the gift. The Kohl's Credit Card will increase your credit limit no more than once every three months if you ask for an increase yourself. See full list on investopedia. The Good. For your protection, please confirm your identity by answering the following security questions before submitting your application for approval. I told kohls interest on protected balance that if he understood what the other headings. Enter your last name as it appears on the Kohl’s Card. 3. , nor any of its affiliates, makes any warranties, express or implied, with respect to kohl's e-gift cards, including, without limitation, any express or implied warranty of merchantability or fitness for a particular purpose. , Menomonee Falls, Wisconsin 53051. (Credit unions have comparable protection through a separate agency, the National Credit Union Association. Kohl’s applies two different sets of rules to Kohl’s Cash earned via Rewards and Kohl’s Cash earned through promotions. Set up your online account. The Tour Series Rocksaxs unique suitcases feature some of the most iconic artwork from the worlds greatest music acts. onlinebanking. You then scratch to reveal either a. This may happen as often as every six to 12 months. Add your last name as it seems on your Kohl’s card. Free shipping with $25 purchase. Also , having a closed by grantor on your credit report in and of itself will not hurt your score as it's just a comment about the state of the card. In the fine print, Kohl’s officially describes Kohl’s Cash as a “coupon”. First, make sure you have a Kohl’s Card linked to your Kohls. Are you looking to check your Kohl's gift card balance or have specific questions? Call the Kohl's gift card support number below or check your balance and ask the Gift Card Girlfriend a question about checking a Kohl's gift card balance and find answers to common gift card balance questions. Re: Kohls - Paid (Prior Deliquent) @cyrusvalentino wrote: So I've got two questions question based on what MyFico shows while the creditor did update the balance to show $0. Activate it and do what you are with your other cards, pay off you balance. Experience the convenience, style, and health benefits of this elegant fitness tracker and embrace a healthier and more balanced lifestyle with Fitbit Luxe. , Menomonee Falls, Wisconsin 53051. A credit balance refund on the Kohl's Credit Card is a reimbursement for paying more than the total balance owed on the credit card. com and in store. Kohl's Card; Kohl's Rewards; Pay & Manage My Kohl's Card; Pay & Manage My Kohl's Rewards® Visa;Closing cards does not hurt your score. Enter your 12-digit card number from a Kohl’s Card. Be aware that if there’s a balance remaining on the canceled account, you will still need to make at least the minimum payment every. Save 85% with the top 16 Kohl's Coupon Codes. There are several ways to check your gift card or Kohl's Cash balance from any device. The retailer allegedly charged monthly Kohl’s credit card fees of $1. For example, a cardholder. Here’s what your Kohl's Credit Card minimum payment will be: Balance below $29: Minimum payment equals balance Earn: Kohl’s Rewards customers that use their Kohl’s Card will earn 7. It’s a credit card, not a charge card. Kohl's Card; Kohl's Rewards; Pay & Manage My. Many balance transfer offers include an introductory 0% APR that lasts for a specified number of months, usually 6 to 21 months. These special offers arrive in the mail once a month in the form of scratch-off coupons. Using SMS text messages to get Kohl’s Card account information. According to Kohl’s, “It’s like getting paid to shop. You’ll need to show your Kohl’s Cash to a cashier or enter a unique code online if you want to use the rewards. 5. Here are some more details on how to check your Kohl's Credit Card balance: To check your balance online, log in to your Kohl's account to see your Kohl's Credit Card's balance. The word “Card” means the card issued to you under this Agreement that may be used to make purchases at Kohl’s. every other card issuer allows you to pay more than the minimum via auto-pay vs just the minimum or total balance. Cardholders can request a Kohl's Credit Card credit balance refund: by. Madison, AL. 5% in rewards on qualifying Kohl’s purchases. But you could get more, because your credit limit will be determined based on your credit score, income and overall creditworthiness. Once you are logged in, you will be able to view your account balance, make payments, check your account activity and more. Credit scores take into account a variety of factors, which can include the type of credit card account you have (such as a co-brand card) but many other factors as well, including your payment history, other credit accounts you may have, your. 74% to the prime rate to arrive at the estimated variable APR, which is currently 30. To dispute a Kohl's Credit Card charge, log in to your Kohl's Credit Card account online and search for the transaction to dispute, or call Capital One customer service at 1 (800) 227-4825. The credit card charge "KOHLS ECOMMERCE STORE" was first recorded on June 18, 2014. If you overpay your Kohl's Credit Card, your account’s balance will go negative. 4. Credit scores take into account a variety of factors, which can include the type of credit card account you have (such as a co-brand card) but many other factors as well, including your payment history, other credit accounts you may have, your outstanding balances versus. read full answer. This is clearly an attempt by Kohl's to get. If you carry a balance on your Kohl’s credit card, you will pay interest on the balance at a rate of 24. Two separate lawsuits were filed against Kohl’s in Wisconsin and California federal courts Friday. com. com Do not mail cards to the Kohl's Payment Center. Follow these steps to close your Kohl’s credit card: Assess Your Financial Situation: Before closing your Kohl’s credit card, take a moment to. The Kohl's Credit Card is a store-only card and is not. This card also offers $0 fraud liability protection and monthly credit bureau reporting, which are relatively common benefits for credit cards. . What Can You Do On My Kohl’s Card? Make certain changes such as address, phone and email updates Get your balance, payment information, recent activity, and even pay your bill Sign Up for My Kohl’s Card; it’s easy and free! Manage Your Kohl’s Card Account kohls, i just found out your company has doubled your customers interest rates monthly, since dec 18. Box 60043. Key Facts About the Kohl's Credit Card. Kohl's credit card. 1 - The Account Summary is located on the top left hand side of the statement. com or see store for details. Capital One reports the card’s credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax. How do I check the balance on my Kohl’s Gift Card? You can get a Kohl’s gift card balance check at any Kohl’s store by going to the customer service desk or a checkout. Important: In case of fraud or if your card was lost, stolen or never received, please contact us at (800) 564-5740. , Menomonee Falls, Wisconsin 53051. At Kohls I got transferred to one supervisor that. 3. To avoid interest charges, pay your statement balance in full by the due date monthly – there’s no need to pay your entire current balance in most cases. We know keeping track of everything is easier when it's all in one place. How to Verify a Kohl's Credit Card. If you have any trouble verifying. A pair of consumers accuse Kohl’s of abusive and outrageous debt collection tactics in lawsuits that claim the retailer inundated them with calls, faxes, and emails about their credit card debt. One and to Kohl’s. 5% in rewards on qualifying Kohl’s purchases. To confirm that your connection is secure, look for a locked padlock icon or the letters "in the address bar of your web. Younger shoppers want. You can also activate your card by. A credit card’s statement balance is what you owe at the end of a billing cycle, while the current balance is how much you owe on your card at any given time. Keep your Gift Cards and Kohl's Cash until your order has arrived and. Enter your last name as it appears on the Kohl’s Card. Kohl’s Rewards balances are converted and issued in $5 increments of Kohl’s Cash coupons on the first day of the. com Login) during activation. 59 must be received before or on 6/11/2020 in order to avoid receiving an interest charge. Employees are not required to have a Kohl's card, nor are they required to shop at Kohl's. How to Close Kohl’s, Credit Card. , N56 W17000 Ridgewood Dr. Maria Adams, Credit Cards Moderator. Buffalo, NY 14216. Kohl’s already offers a private-label credit card through a program with Capital One, but Kingsbury said the new option would broaden the retailer’s credit opportunities. You have to identify yourself as a Member to get credit for your purchase, which is easy enough. The grace period runs from the end of the billing period until the card’s payment. $12. Call Customer Service at 1-866-887-8884. While you don't earn Kohl's Cash or Kohl's Rewards when buying the gift card, you'll still be able to earn Kohl's Cash and Kohl's Rewards on merchandise purchased with a gift card. Using a simplified example (and it is rarely this simple), if the person died with assets totaling $10,000 and one debt — a credit card balance of $8,000 — the amount left over in the estate would be $2,000. Elevate your styling routine with the OUAI Heat Protection Spray and enjoy gorgeous, protected locks that radiate vitality and shine. To cancel a Kohl's Credit Card, call customer service at the phone number you see on the back of your card or log in to your online account. Kohl's Card; Kohl's Rewards; Pay & Manage My Kohl's Card; Pay & Manage My Kohl's Rewards® Visa; Apply for a Kohl’s Card; See if you prequalify;Unsurprisingly, the overall appeal of the Kohl’s Card is weighed down by a rather high variable APR of 24. The four major. The Kohl’s Card earns rewards at the following rates: 7. These may be combined with other discounts, as well as Kohl’s rewards programs. , nor any of its affiliates, makes any warranties, express or implied, with respect to kohl's e-gift cards, including, without limitation, any express or implied warranty of merchantability or fitness for a particular purpose. Learn more about how to pay for college. Received In Store: Received Online: If you have questions about your Gift Cards or Kohl's Cash, please call Customer Service at (866) 887-8884. Limit one per customer. Keep your Gift Cards and Kohl's Cash until your order has arrived and you've decided to keep your merchandise. ) But most payment apps are operated by financial technology companies that enable the. 5% back sounds great, keep in mind that you earn 5% in rewards as a Kohl’s Rewards. 74% APR, which means that carrying a balance on this card is costly. Earn 5% Rewards on this item today. The benefits of a Kohl's Card include a 35% discount on your first purchase and 7. Of course, you must have properly and timely notified your credit card company about the. You may cancel your Kohls's credit card by calling the customer service number on the back of the card. Second quarter comparable sales decrease 7. A digital or e Gift card. 7% in the fourth quarter 2022. Curious as to what others have experience with Kohls credit line increase. Fourth quarter diluted earnings per share of $2. Carafe was broken on [protected]. -- (BUSINESS WIRE)-- Kohl’s (NYSE: KSS) today announced the nationwide rollout of its new Kohl’s Rewards program enhancement that will offer all Rewards members that use their Kohl’s Card an elevated earn rate of 7. Chair mats are an essential component when furnishing your work or home office. The Kohl's Credit Card payment address is: Kohl’s. Call our automated gift card balance checker at 800-935-6457. 24%. No annual fee. card balance may be obtained by calling 1-800-655-0554 or online at kohl's. If it was closed and you still had a balance, that could affect your score depending on how much utilization on that. In one of the complaints, Wisconsin resident. Our experts love this top pick. Log into your account online at My Kohl’s Card, and select “Alerts” and “Manage Registration” from the toolbar. 00 within 1 year of account opening. You can also wait to see if you receive an automatic credit limit increase. Online Shopping: Amazon Store Card Learn More. Simply access My Kohl’s Card to update your preferences and begin enjoying the benefits immediately! Statements are conveniently available 24/7! View, download or print your full statements anytime! Receive an email alert when a new statement is available through My Kohl's Card. We would like to show you a description here but the site won’t allow us. m. The Kohl’s Rewards® Visa may have an impact on your credit score, and such impact may be either positive or negative. 3. The company reported a drop in revenues of 7. Gift Card Balance & Kohl’s Cash Balance; Kohl’s Card & Rewards. Bought product in spring 2023. . To avoid an interest charge, we must receive your payment of the full "To Avoid Interest Charge Pay" by the due date. . Additional denominations are available in stores. There are several ways to check your gift card or Kohl's Cash balance from any device. So everyone who gets approved is guaranteed $300+ in spending power. I have a store credit card with Kohl's. It has a $0 annual fee, but it comes with a high APR of 31. The Kohl’s Charge Card offers 7. Even though the card formerly was called. Once you earn cash back on your Kohl's Credit Card, you can redeem it for purchases at Kohl's online and in-store. Please note: your account number from your statement will not work. Mobile My Kohl’s Card. m. 99. Department Store Card: Kohl's Credit Card Learn More. 00 to $700. The Kohl's Credit Card has zero liability fraud insurance and a $0 annual fee. Your Kohl's Ashland store, located at 495 River Hill Dr, stocks amazing products for you, your family and your home – including apparel, shoes, accessories for women, men and children, home products, small electrics, bedding, luggage and more – and the national brands you love (Nike, Disney, Levi’s, Keurig, KitchenAid). It has been flagged as suspicious by our users. Membership is open to all federally insured credit unions in the United States, both federally and state-chartered. A lightweight spray that protects your hair by using up to 450F heat protection to keep hair safe from heat damage caused. You can also activate your card by. 7. You can update your personal information on My Kohl’s Card from the Edit Profile page. How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). Please note: your account number from your statement will not work. Redeem your Kohl’s Cash everywhere you shop, whether you’re shopping online, in the store, or on the app. Redeem your Kohl’s Cash everywhere you shop, whether you’re shopping online, in the store, or on the app. Kohls Charge issue Well I scheduled a kohls card payment on the website and for some unknown reason I was debited the entire card balance instead of the payment I authorized. 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. , NOR ANY OF ITS AFFILIATES, MAKES ANY. Kohl's strategy is focused on delivering long-term shareholder value through driving improved sales and profitability. My rebuilding focus has been paying off balances/collections/charge offs. after nine months account opening. 50 for every $100 spent!)*. Sign in or join Kohl's Rewards. (Kohl’s and Capital One announced in March 2022 they plan for a new co-branded board for arrive “as early like 2023,” but offered no details. Be aware that if there’s a balance remaining on the canceled account, you will still need to make at least the minimum payment every. kohls. details Fast & free store pickup! details Take 15% off in store & online with code GOSHOP15. Card balance may also be obtained from a Kohl's Sales Associate, calling 1-800-655-0554 or online at Kohls. Key Benefits: - Adds shine. . The lawsuit alleges that the payment protection service provided is deceptive since it offers “little or no value to consumers, many of whom are not even eligible for its purported benefits. , nor any of its affiliates, makes any warranties, express or implied, with respect to kohl's e-gift cards, including, without limitation, any express or implied warranty of merchantability or fitness for a particular purpose. Msg Frequency Depends on Acct Settings. How to Verify a Kohl's Credit Card. Only when your utilization is affected. If your payment was made after 7:00. 99% (Variable) $95. The kid's tricycle is suitable for 2-6 years old kids. Kohl's Credit Card reports to multiple credit bureaus. By using the account or any card, or authorizing their use, you agree to the terms of the Cardmember Agreement. Enter your ZIP/Postal code. 7/5. But we’ve also seen higher limits, in the. Keep your Gift Cards and Kohl's Cash until your order has arrived and. In order to ensure the protection of our customers' sensitive information, we. 3: Call Kohl’s at 1-800-935-6457 to check your gift card balance. Use the link below to signup for sales alerts and receive a 15% off coupon code. Box 60043 City of Industry, CA 91716 or Kohl’s P. Making a one-time payment. On the sidebar that appears, you have four payment amount options: Minimum payment due (amount to pay to avoid a late fee) Last statement balance. , Inc. Most cardholders will start with a minimum credit limit of around $300, but some applicants with high credit scores reportedly receive limits between $1,000 and $3,000. Keep in mind that your chances of getting a credit limit. The cards come with designs for every holiday and gift-giving occasion as well as cards with just the logo for a more neutral message. It has a $0 annual fee, but it comes with a high APR of 31. Also Kohl's is in some shopping portals.