Call Kohl's Customer Service to make a payment over the phone
The main number to reach Kohl's customer service for credit card payments is 1-855-564-5705. This line is available seven days a week. When you call, you'll reach an automated system first, which will route you to a representative who can process your payment.
Have your Kohl's credit card number ready when you call. You'll also need to know the amount you want to pay and have a bank account or debit card available if you're paying from a checking or savings account. The representative will walk you through the payment process step by step.
Payments made by phone are typically posted to your account within one business day. If you're calling close to your due date, confirm with the representative that your payment will arrive on time to avoid a late fee.
Key Takeaways
- Call 1-855-564-5705 to pay your Kohl's credit card over the phone, available seven days a week.
- Have your card number, payment amount, and bank account or debit card information ready before calling.
- Phone payments typically post within one business day, so call at least two days before your due date if timing is tight.
- A representative will guide you through the payment process; you don't need to navigate an automated system alone.
- Kohl's also accepts payments online through their website and by mail if phone payment doesn't work for your situation.
What information you'll need to provide
When the representative picks up, be ready to give your Kohl's credit card number or the phone number associated with your account. They may ask for the last four digits of your Social Security number to verify your identity. Have this information written down so you don't have to search for it while on the phone.
You'll also need to tell them how much you want to pay — whether that's your full balance, the minimum payment, or a specific amount. If you're not sure what you owe, the representative can look up your current balance and tell you before you commit to a payment amount.
Payment methods accepted over the phone
Kohl's accepts payments from a checking or savings account when you pay by phone. You'll need to provide your bank's routing number and your account number. The representative will read back these details to confirm they're correct before processing the payment.
Debit cards are also accepted. If you use a debit card, have the card number, expiration date, and CVV ready. Credit cards cannot be used to pay a Kohl's credit card balance over the phone — only bank accounts and debit cards work for this payment method.
Timing and when payments post
Payments made by phone post within one business day in most cases. This means if you call on a Monday, your payment should show up in your account by Tuesday. However, if you call on a Friday evening or over the weekend, the payment may not post until Monday or Tuesday.
Your due date is the date Kohl's must receive your payment to avoid a late fee. Since phone payments take one business day to post, call at least two days before your due date to be safe. If your due date is tomorrow, a phone payment may not arrive in time — in that case, check whether Kohl's offers online same-day payment or contact them to ask about other options.
Other ways to pay your Kohl's credit card
If calling doesn't work for you, Kohl's offers several other payment methods. You can pay online through the Kohl's website by logging into your account and selecting the payment option. Online payments typically post the same day if made before a certain time in the evening.
You can also mail a check or money order to the address listed on your credit card statement. Mail payments take longer to arrive — usually five to seven business days — so send them well before your due date. Some Kohl's stores may accept in-person payments at customer service, though this varies by location; call ahead to confirm.
What to do if you can't reach customer service
If the main number is busy or you're having trouble getting through, try calling again during off-peak hours — early morning or late evening typically have shorter wait times. The line is open seven days a week, so you're not limited to business hours.
If you need to make a payment urgently and can't reach anyone by phone, log into your Kohl's account online and pay through their website instead. Online payment is faster and doesn't require speaking to a representative. You can also mail a payment if you have a few days before your due date.
Frequently Asked Questions
Is there a fee to pay my Kohl's card by phone?
No, Kohl's does not charge a fee for phone payments. You pay only the amount of your balance or the amount you choose to pay toward it.
Can I set up automatic payments by phone?
The phone line handles one-time payments only. To set up automatic recurring payments, you'll need to do that online through your Kohl's account or contact customer service to ask about their autopay options.
What if I make a payment by phone and then realize I made a mistake?
Contact Kohl's customer service right away at the same number. If the payment hasn't posted yet, they may be able to cancel it. Once it posts, you may need to request a refund or credit to your account.
Can I pay someone else's Kohl's credit card bill by phone?
You can pay a bill for an authorized user on the account, but the cardholder should contact Kohl's first to confirm you're authorized to make payments. Kohl's will not process a payment from someone with no connection to the account.
What happens if I call after my due date?
You can still make a payment after your due date, but a late fee will have already been applied to your account. The payment will reduce your balance and stop additional interest from accruing, but the late fee usually remains unless you contact Kohl's to request it be waived.