How to contact Kohl's Credit Card customer service
Kohl's Credit Card customer service is available by phone, mail, and through your online account. The phone number for cardholders is 1-800-285-6537, available Monday through Friday, 7 a.m. to 9 p.m. Central Time, and Saturday and Sunday, 8 a.m. to 6 p.m. Central Time. You can also reach them by mail at the address printed on your statement or through the Kohl's website by logging into your account and using the find message feature.
Have your card number and account information ready when you call. If you are calling about fraud or a lost card, you can reach the fraud department 24 hours a day, 7 days a week at the same number. The wait time varies depending on call volume, but you can expect to speak with a representative within 10 to 20 minutes during business hours.
Key Takeaways
- Call 1-800-285-6537 during business hours (Monday–Friday 7 a.m.–9 p.m. CT, Saturday–Sunday 8 a.m.–6 p.m. CT) for general account questions and billing issues.
- The fraud department at the same number operates 24/7 if your card is lost, stolen, or you see unauthorized charges.
- You can message customer service securely through your Kohl's online account without waiting on hold.
- Have your card number and the last four digits of your Social Security number ready before calling.
- You can also write to the address on your monthly statement if you prefer to handle issues by mail.
What you can handle through your online account
Log into your Kohl's Credit Card account at www.kohls.com to view your balance, recent transactions, and payment due date without calling. You can also update your mailing address, phone number, and email address online. The find message feature lets you send questions directly to customer service and receive a response within one to two business days, which is useful if you do not want to wait on the phone.
Your online account also shows your credit limit, interest rate, and any promotional offers you may have received. You can set up automatic payments, make one-time payments, and read statements from the past 24 months. If you forget your password, use the "Forgot Password" link on the login page to reset it through your email address.
Reporting fraud, lost cards, and unauthorized charges
If your Kohl's Credit Card is lost or stolen, call 1-800-285-6537 when ready. The fraud team will deactivate your card right away so no one else can use it. You will not be held responsible for unauthorized charges if you report them promptly, but the sooner you call, the better.
If you see charges on your statement that you did not make, call the fraud department or log into your account and use the find message feature to report them. The fraud team will investigate and may issue a temporary card while they look into the charges. Keep copies of any documentation you have — receipts, emails, or screenshots — to support your claim. The investigation typically takes 30 to 60 days, and you will be notified of the outcome by mail or phone.
Handling billing disputes and payment problems
If you have a question about a charge on your statement, contact customer service within 60 days of the transaction. Have the transaction date, amount, and merchant name ready. Customer service can explain the charge, help you understand interest calculations, or walk you through a dispute if the charge was made in error or the merchandise was never received.
If you are having trouble making a payment, call customer service to discuss your options. Kohl's may be able to work with you on a payment plan or temporary hardship arrangement, though this depends on your account history and current balance. Do not ignore a missed payment — the sooner you contact them, the more options you may have.
Understanding your statement and interest charges
Your monthly statement shows your opening balance, all charges and credits, your payment, interest charged, and your new balance. The interest rate on your Kohl's Credit Card varies based on your creditworthiness and current market conditions. You can find your current rate in your online account or on your statement.
Interest is charged only on the balance you carry from month to month. If you pay your full statement balance by the due date, you will not be charged interest. If you make a partial payment, interest accrues on the remaining balance at your card's annual percentage rate (APR). Customer service can explain how interest is calculated on your specific balance if you have questions.
Updating your account information and preferences
You can change your mailing address, phone number, and email address through your online account or by calling customer service. If you want to receive statements by email instead of mail, you can set that up online. You can also choose how you receive promotional offers — by mail, email, or both — through your account settings.
If you want to close your account, call customer service. They will walk you through the process and make sure you understand any remaining balance or pending charges. Closing your account will not remove it from your credit history, but it will show as closed on your credit report.
What to do if you cannot reach customer service
If you are unable to reach customer service by phone during business hours, try the find message feature in your online account. Messages are typically answered within one to two business days. You can also mail a written inquiry to the address on your statement, though responses by mail may take longer.
If you have a complaint about how customer service treated you or believe there is an error in your account that has not been resolved, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov. The CFPB will forward your complaint to Kohl's, and they are required to respond within 15 days.
Frequently Asked Questions
What is the best time to call Kohl's Credit Card customer service?
Call early in the morning or mid-week if possible. Monday through Friday between 7 a.m. and 9 a.m. Central Time typically has shorter wait times than afternoons or weekends. If you have a non-urgent question, using the find message feature in your online account avoids waiting on hold entirely.
Can I make a payment over the phone?
Yes. Call customer service and they can take a payment from your checking or savings account. You will need your bank routing number and account number. You can also make a payment online through your account or set up automatic payments so you never miss a due date.
How long does it take to resolve a billing dispute?
The investigation typically takes 30 to 60 days. During that time, the disputed amount will be marked as pending on your account. You will receive written notice of the outcome by mail. If the dispute is found in your favor, the charge will be removed and you may receive a credit.
What happens if I miss a payment?
Your payment is due by the date shown on your statement. If you miss the due date, you may be charged a late fee and your interest rate may increase. Call customer service as soon as possible if you cannot make a payment — they may be able to work with you on timing or a payment arrangement.
Can I request a credit limit increase?
Yes. You can request an increase through your online account or by calling customer service. Kohl's will review your account history and creditworthiness. A decision is usually made within a few minutes if you request online, or within a few days if you call.