Kohls credit card service is a joke , thus is the 3 time I spent an hour or more trying to correct something on the phone about a bill which my bank shows paid but kohls dose not. It's almost impossible to get someone from the USA to get on the phone and when I do they end up transferring me to China again and I'm disconnected time and time again. There customer service on the phone is terrible . I would never recommend there credit card for any Good Old American people. There poor phone service is not worth the discounts or kohls bucks