Kohls will set you up for failure if you open one of their credit cards. I've been a customer for many years and have had an 800 fico for a very long time with all the credit bureaus. I rarely use any of my credit cards and when I do, sometimes I forget I even used them. Every card I have EXCEPT FOR KOHLS sends paperless statements when I have a balance due. Kohls waited until my account was 30 days late to even call me and only did so after reporting to all 3 bureaus that I was 30 days late. (Keep in mind that in order to do this, the bill would have been due on Feb 7th and they waited til March 8th to call me to let me know a balance was due. BUYER BE WARE OF KOHL's BAD BUSINESS PRACTICES. and they told me that I would have to wait months to get a response back and in the mean time an 800 fico drops to 690. BETTER HOPE YOUR NOT WANTING TO BUY A CAR OR HOUSE. They will mess with your life and should be stopped!!!!