The main Kohl's credit card customer service number is 1-855-564-5748
This number connects you to Kohl's Card Services, which handles account questions, payment issues, fraud reports, and balance inquiries. The line is open seven days a week, typically from 8 a.m. to 10 p.m. Eastern time, though hours may vary by season. You will need your card number or the phone number associated with your account to verify your identity.
If you are calling from outside the United States, Kohl's also maintains an international line. The specific number depends on your country, so check the back of your physical card or your account statement for the correct routing.
Key Takeaways
- Call 1-855-564-5748 to reach Kohl's Card Services for account questions, payments, fraud reports, and balance information.
- The line operates seven days a week, typically 8 a.m. to 10 p.m. Eastern time, though holiday and seasonal hours may differ.
- You can also manage your account online through Kohl's website or the Kohl's mobile app without waiting on hold.
- If you need to report a lost or stolen card, call when ready — the same number can freeze your account within minutes.
- For billing disputes or fraud claims, have your statement and transaction details ready when you call.
What you can handle by phone versus online
Some account tasks are faster online than by phone. You can view your balance, make a payment, update your address, and check recent transactions through your Kohl's Card account on Kohl's.com or through the Kohl's mobile app. Both let you set up automatic payments and view your credit limit without speaking to anyone.
Call the customer service number if you need to dispute a charge, report fraud, request a credit limit increase, ask about promotional offers, or discuss a past-due balance. You may also need to call if you are locked out of your online account or if your question involves a transaction that does not appear in your recent history.
Reporting a lost or stolen card
If your Kohl's Card is lost or stolen, call 1-855-564-5748 when ready. A representative can deactivate your card on the spot, which stops anyone from using it. This is faster than reporting it online and gives you a record of the exact time you reported the loss.
After you report the card lost or stolen, Kohl's will mail you a replacement card to the address on file. The replacement usually arrives within 7 to 10 business days. If you need a card sooner, ask the representative whether expedited shipping is available in your area.
Handling billing disputes and fraud claims
If you see a charge you do not recognize or believe a transaction was unauthorized, call the customer service number with your statement in front of you. Have the transaction date, amount, and merchant name ready. The representative will document your dispute and explain the investigation process.
Kohl's typically investigates disputes within 30 to 60 days. During that time, you are not responsible for the disputed amount, and it will not count against your credit while the claim is open. The company will contact you by phone or mail once the investigation is complete.
Payment options and due dates
You can pay your Kohl's Card bill by phone, online, or by mail. The due date appears on your statement and is usually the same day each month. If you call to make a payment, have your bank account or routing number ready if you want to pay by electronic transfer, or a debit card if you prefer that method.
Setting up automatic payments through your online account removes the need to call or remember a due date. You can choose to pay the full balance, the minimum payment, or a fixed amount each month. Changes to automatic payments usually take effect within one or two billing cycles.
Account limits and credit line increases
Your credit limit is set when your account opens and may increase over time based on your payment history. You can request a credit limit increase by calling customer service. The representative will review your account and may be able to increase your limit when ready, or they may tell you to reapply after a certain period.
Kohl's may also offer automatic credit limit increases if you maintain a good payment record. These increases are usually announced in writing or shown in your online account. You can decline an increase if you prefer to keep your limit where it is.
Frequently Asked Questions
What is the best time to call to avoid a long wait?
Wait times are typically shortest on weekday mornings between 8 a.m. and 10 a.m. Eastern time, and on weekday afternoons after 5 p.m. Avoid calling during lunch hours or on the first few days after a statement closes, when call volume is highest.
Can I make a payment over the phone without a representative?
Yes. When you call the main number, you can use the automated system to make a payment without speaking to anyone. You will need your card number and a bank account or debit card. The automated system processes payments when ready.
What happens if I miss a payment?
If your payment is late, Kohl's will report it to the credit bureaus after 30 days. You may also face a late fee, which appears on your next statement. Call customer service to discuss payment options if you are having trouble making your due date.
How do I close my Kohl's Card account?
You can request account closure by calling customer service. Pay off your balance first if possible. After closure, the account will show as closed on your credit report, which may affect your credit score temporarily because it reduces your available credit.
Is there a way to reach customer service through chat or email?
Kohl's does not currently offer live chat or email support for credit card questions. Phone and online account management are the primary contact methods. Check Kohl's.com for any updates to contact options.