I kept getting calls for 2 days 3 times a day. I pick up the phone and there is no one there. I checked this web site & read this comment so I called the 800 # on the back of my Kohl's card & they asked my info then transferred me to another line. I had to wait about 3 minutes then I was asked all the questions again. I am a brand new card holder and I didn't get my first bill! I paid by check over the phone for free and they waved the late charges. Everyone I spoke with was very nice but I think that automatic calling system is broken.