Kohl's — harassment!
At the register at Kohl's? Tempted to get the charge card to receive 10-20% off? DON'T DO IT. You will end up paying more in late charges, and finance charges. I have a strict budgeting procedure with a well organized spreadsheet, and have had nothing but trouble with this Kohl's card. I could write a long diatribe but for the sake of time, trust me, just pay cash or debit or use another reputable credit card. The % off will be charged back to you anyway in these charges. Don't take my word for it, just google "Kohl's card late charge" or read other folks' Kohl's nightmares at:
Today I canceled the account, but will need to keep a close eye to ensure it is closed and paid in full. I don't have time to babysit cards like this, and I won't be shopping at Kohl's again.