Step 1: Build a unique passphrase
Reused passwords are the single biggest retail-account risk.
Open a password manager and generate a 16+ character unique passphrase for the Kohl's account login. Save it. Do not reuse the passphrase anywhere else. The combination of length and uniqueness blocks credential-stuffing attempts even when an unrelated breach exposes one of your other passwords.
The FTC consumer information on credential hygiene applies cleanly to retail accounts. Pair a unique passphrase with two-factor authentication and you have built the layered defence that stops most realistic compromise scenarios.
Avoid passphrase reuse even on accounts that feel low-stakes. A leaked password from a forum becomes a Kohl's compromise the day a stuffer tests the pair.