Where to send your Kohl's credit card payment
You can pay your Kohl's credit card in three ways: online through your account, by phone, or by mail. The fastest route is online through Kohl's website or mobile app, where you can see your balance and make a payment in minutes. By phone, you call the number on the back of your card and speak to a representative who can process the payment while you wait. By mail, you send a check to the address printed on your monthly statement.
Online payments usually post to your account within one business day. Phone payments also post within one business day. Mail payments take longer — typically five to seven business days from when Kohl's receives the envelope, so plan ahead if your due date is soon.
Key Takeaways
- Online payment through Kohl's website or app is the fastest method and shows your updated balance when ready after you submit.
- Your payment due date appears on your monthly statement, and paying by that date avoids a late fee.
- You can set up automatic payments from your bank account so you never miss a due date.
- Mail payments take five to seven business days to post, so send them at least a week before your due date.
- The phone number to call is printed on the back of your physical card or on your monthly statement.
Paying online through your Kohl's account
Go to Kohl's website and sign into your account using your email and password. Click on "Credit Card" or "Manage My Account" — the exact wording varies depending on whether you're on desktop or mobile. You'll see your current balance, minimum payment due, and the due date. Click the button to make a payment.
Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method: you can pay from a checking or savings account, or use a debit card. Review the details and submit. You'll receive a confirmation number on screen and by email. The payment posts within one business day.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. In your Kohl's account, look for "Auto Pay" or "Automatic Payments" under account settings. You choose the amount (minimum payment, full statement balance, or a fixed dollar amount), the date each month when the payment should be taken from your bank account, and which bank account to use.
Once automatic payments are set up, Kohl's withdraws the money on your chosen date each month. You can change or cancel automatic payments anytime through your account. Even with automatic payments turned on, you should still check your statement each month to make sure the payment went through and your balance is correct.
Paying by phone
Call the customer service number on the back of your Kohl's credit card. A representative will ask for your card number and the amount you want to pay. They'll confirm your payment method — usually a checking account or debit card — and process the payment while you're on the phone. You'll receive a confirmation number.
Phone payments post within one business day, the same as online payments. This method is useful if you don't have internet access or prefer to speak with someone, but it takes longer than paying online because you have to wait for a representative to be available.
Paying by mail
Write a check for the amount you want to pay and include it with the payment stub from your monthly statement. The stub shows the mailing address where to send it. Write your account number on the check. Mail it at least seven to ten days before your due date to account for mail delivery time.
Kohl's processes mail payments in the order they're received. Your payment posts five to seven business days after they receive it, not after you mail it. If your due date is within a week, mail is too slow — use online or phone payment instead.
What happens if you miss a payment
If your payment doesn't arrive by the due date shown on your statement, Kohl's charges a late fee. The amount of the fee depends on your account and state, but it typically ranges from $25 to $40. A late payment also appears on your credit report and can lower your credit score.
If you miss a payment, pay as soon as you notice. The sooner you pay, the less damage to your credit. If you're having trouble making the payment, call the number on the back of your card and ask about hardship options — some cardholders can work out a temporary payment plan.
Understanding your statement and balance
Your monthly statement shows your previous balance, new charges, payments you made, interest charged, and your new balance. The statement also shows your minimum payment due and your due date. The minimum payment is the smallest amount Kohl's requires you to pay by the due date to stay current on your account.
Paying only the minimum means you'll pay interest on the remaining balance. If you want to avoid interest, pay your full statement balance by the due date. If you can't pay the full balance, paying more than the minimum reduces how much interest you owe and gets you out of debt faster.
Frequently Asked Questions
Can I pay my Kohl's credit card with a credit card?
No. Kohl's only accepts payments from a checking or savings account, or a debit card. You cannot pay with another credit card, including another Kohl's card. Paying a credit card with another credit card is also generally not allowed by most card issuers.
What if I pay more than my balance?
If you pay more than you owe, Kohl's holds the extra money as a credit on your account. Your next statement will show a credit balance instead of an amount due. You can use that credit toward future purchases, or you can request a refund by calling customer service.
How do I know if my payment went through?
You'll receive a confirmation number when ready after you submit an online or phone payment. Check your account a day or two later — your balance should reflect the payment. If it doesn't, call the number on your statement to confirm the payment was received.
Can I change my payment due date?
Kohl's does not allow you to change your due date. Your due date is set based on when your account was opened. If you want to align your payment with a different date, you can pay early — paying before the due date doesn't change when future payments are due, but it gives you more flexibility in your monthly budget.
What if I'm overseas and can't access the website?
Call the customer service number on the back of your card — it accepts international calls. A representative can process your payment over the phone. You can also mail a check, though international mail is slow. If you travel frequently, set up automatic payments before you leave so your bill is paid automatically each month.