Their Kohl's Cash is a scam, in my opinion. I was billed for items that I later returned and they deducted $10.21 from the refund because they were deducting "a future coupon" that was issued to me for future use. I disputed it and the amount was credited- 2 weeks later it was charged back. Talking to them on the phone is painful. The reps are somewhere in Asia and are difficult to understand. I am filing a complaint with the BBB and closing my account.