Call Kohl's customer service at 1-800-564-5705 to make a credit card payment over the phone

Kohl's Credit Card payments can be made by calling their automated payment line at 1-800-564-5705. This number connects you to an automated system where you can pay your balance without speaking to a representative. The system accepts payments 24 hours a day, seven days a week. You will need your card number and a bank account or debit card ready when you call.

If you need to speak with a person instead of using the automated system, you can reach a Kohl's customer service representative at the same number. Wait times are typically shorter during business hours, which are Monday through Friday, 7 a.m. to 9 p.m. Central Time, and Saturday and Sunday, 8 a.m. to 5 p.m. Central Time. A representative can help you with payment questions, dispute issues, or account changes.

Key Takeaways

  • Call 1-800-564-5705 to pay by phone using the automated system or to speak with a representative.
  • The automated payment line operates 24/7, but live representatives are available Monday through Friday 7 a.m. to 9 p.m. Central Time and Saturday and Sunday 8 a.m. to 5 p.m. Central Time.
  • Have your Kohl's Credit Card number and a bank account or debit card information ready before calling.
  • Payments made by phone are typically processed the same day if you call before the cutoff time, usually around 8 p.m. Central Time.

What information you need to have ready

Before you call, gather your Kohl's Credit Card number and the payment method you plan to use. If you are paying from a checking or savings account, you will need your routing number and account number. If you are using a debit card, have the card number, expiration date, and CVV ready. You may also want to have your recent statement nearby so you know your current balance.

The automated system will ask you to enter your card number using your phone's keypad. It will then prompt you to enter the payment amount and your payment method details. The entire process usually takes fewer than five minutes. If you encounter any issues during the automated payment, you can press zero or wait for the prompt to connect you with a representative.

When your payment will be processed

Payments made through the automated phone line are typically posted to your account the same business day if you call before the cutoff time. Kohl's generally processes phone payments received before 8 p.m. Central Time on business days as same-day transactions. Payments made after that time or on weekends and holidays are usually processed the next business day.

Keep in mind that your bank may take an additional one to two business days to withdraw the funds from your account, even though Kohl's posts the payment immediately. If you are paying to avoid a late fee, call early in the day to ensure your payment is processed before the deadline. You can ask the automated system or a representative for confirmation of your payment and the expected posting date.

Other ways to pay your Kohl's Credit Card

Phone payment is one option, but Kohl's offers several other ways to pay your bill. You can pay online through your Kohl's account at Kohls.com by logging in and selecting the payment option. You can also pay in person at any Kohl's store location using cash, a debit card, or another credit card. Mail-in payments are accepted if you send a check to the address listed on your statement.

Online payment is often the fastest method because it posts immediately and you have a record of the transaction saved in your account. In-store payments are useful if you are already shopping and want to pay right away. Mail-in payments take longer — typically five to seven business days — so use this method only if you have time before your due date.

What to do if you cannot reach customer service

If you are having trouble reaching the phone line or the automated system is not working, try calling again at a different time. High call volumes during peak hours — typically early morning or late evening — can cause longer wait times or temporary system issues. Calling during mid-afternoon on a weekday often results in shorter wait times.

If the phone line remains unavailable, use the online payment option at Kohls.com instead. You can also visit a Kohl's store to make a payment in person. If you have a specific account issue that requires a representative, such as a dispute or a question about your balance, try calling back during the posted business hours when more representatives are available.

Understanding your payment options and due dates

Your Kohl's Credit Card statement shows your minimum payment due and your full balance. You can pay any amount between the minimum and the full balance. Paying only the minimum means you will carry a balance and pay interest on the remaining amount. Paying the full balance by the due date avoids interest charges entirely.

Your due date is listed on your statement and is typically 21 to 25 days after your statement closing date. If your due date falls on a weekend or holiday, your payment is due the next business day. Late payments can result in late fees and may affect your credit score, so paying by the due date is important. If you are struggling to make a payment, contact Kohl's customer service to discuss your options.

Frequently Asked Questions

Is there a fee to pay my Kohl's Credit Card by phone?

No, Kohl's does not charge a fee for phone payments. All payment methods — phone, online, in-store, and mail — are free. The only cost associated with your card is interest if you carry a balance past your due date.

Can I set up automatic payments by phone?

The automated phone line does not set up recurring payments. To arrange automatic payments, you must set them up online through your Kohl's account or by speaking with a representative. Automatic payments can be scheduled for your minimum payment or full balance on a date you choose.

What if I pay by phone but then realize I made a mistake?

If you notice an error immediately after paying, call customer service right away at 1-800-564-5705. A representative can sometimes cancel or adjust a payment if it has not yet been fully processed. If the payment has already posted, you may be able to request a refund or credit to your account.

Can I pay someone else's Kohl's Credit Card bill by phone?

You cannot pay another person's bill using the automated system. You must be the cardholder or have authorization from the cardholder. If you are an authorized user or have power of attorney, speak with a representative who can verify your identity and process the payment.