Call Kohl's customer service to make a credit card payment over the phone
You can pay your Kohl's credit card balance by calling 1-855-564-5748. This is the dedicated customer service line for Kohl's cardholders. Have your account number, the amount you want to pay, and a bank account or debit card ready before you call.
Kohl's also operates a separate automated phone payment system. You can reach it at 1-800-566-7628 if you prefer to enter your payment information through an automated system rather than speaking to a representative. This line is available 24 hours a day.
Both lines accept payments from checking accounts, savings accounts, and debit cards. The payment is typically processed the same business day if you call before 8 p.m. Eastern Time on a weekday. Payments made after hours or on weekends are processed the next business day.
Key Takeaways
- Call 1-855-564-5748 to speak with a Kohl's representative about your payment, or use 1-800-566-7628 for an automated system available 24 hours.
- Have your Kohl's account number, payment amount, and bank account or debit card information ready before calling.
- Payments made before 8 p.m. Eastern Time on weekdays typically process the same day; after-hours and weekend payments process the next business day.
- Phone payments are free and do not carry any additional fees beyond what Kohl's normally charges for credit card accounts.
What information you need before calling
Gather these details before you pick up the phone so the call moves quickly. You will need your Kohl's account number, which appears on your credit card and on your monthly statement. You will also need the exact amount you want to pay — whether that is your full balance, a minimum payment, or a specific dollar amount.
Have a bank account or debit card ready to provide payment information. 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. The representative or automated system will walk you through which information to provide based on your payment method.
Payment processing times and when money reaches your account
The timing of when your payment actually posts to your account depends on when you call and what day of the week it is. If you call between 7 a.m. and 8 p.m. Eastern Time on a Monday through Friday, your payment typically processes the same business day. Payments made after 8 p.m. Eastern or on weekends and holidays are processed the next business day.
Once Kohl's receives and processes your payment, it usually appears in your account within one to two business days. If you are trying to avoid a late fee, keep in mind that the payment must be received by your due date, not just initiated. Calling early in the day on your due date gives you the best chance of same-day processing.
Automated versus speaking with a representative
The automated line at 1-800-566-7628 works 24 hours a day and does not require you to wait for a representative. You enter your account number and payment information using your phone keypad, and the system confirms the transaction before you hang up. This is the faster option if you know exactly what you want to pay and have no questions.
The customer service line at 1-855-564-5748 connects you with a person who can answer questions about your account, discuss payment options, or help if you run into problems during the call. Use this number if you are unsure about your balance, want to set up a payment plan, or need to discuss your account status. Wait times vary depending on call volume, typically ranging from a few minutes to 15 minutes during peak hours.
Other ways to pay your Kohl's credit card
Phone payment is one option, but Kohl's offers several other methods. You can pay online through the Kohl's website or mobile app by logging into your account and selecting the payment option. Online payments often process faster than phone payments and give you a record of the transaction immediately.
You can also mail a check or money order to the address listed on your monthly statement. Mail payments take longer to process — typically 7 to 10 business days from the time Kohl's receives them — so this method is not ideal if you are close to your due date. Some customers set up automatic payments from their bank account, which removes the need to call or pay manually each month.
What to do if you cannot reach customer service
If you call and experience long wait times or technical issues with the automated system, try calling during off-peak hours. Early morning, late evening, or weekday afternoons typically have shorter wait times than lunch hours or evenings. If the automated line is not working, the customer service line should still be available.
If you cannot reach anyone by phone and need to make a payment urgently, log into your Kohl's account online or use the mobile app to pay immediately. Online payments do not have the same wait-time issues as phone lines and are processed just as quickly. You can also visit a Kohl's store in person and ask a customer service associate for payment options, though this is less common than phone or online payment.
Frequently Asked Questions
Is there a fee to pay by phone?
No. Kohl's does not charge a fee for phone payments. You pay only the interest and any other charges that normally apply to your credit card account. Some payment methods, like wire transfers, do carry fees, but standard phone payments do not.
Can I pay someone else's Kohl's card by phone?
No. For security reasons, Kohl's requires the account holder to make the payment. If you are an authorized user on the account, you may be able to pay, but the primary cardholder should call to confirm. If you are not on the account at all, the cardholder must call themselves or give you written permission and account details.
What if my payment does not show up in my account after two business days?
Contact Kohl's customer service at 1-855-564-5748 with your confirmation number from the payment call. Have the date, time, and amount of your payment ready. The representative can look up the transaction and tell you whether it is still processing or if there was an issue.
Can I make a partial payment by phone?
Yes. You can pay any amount between your minimum payment and your full balance. Tell the representative or enter the specific dollar amount into the automated system. There is no penalty for paying less than your full balance, though interest will continue to accrue on the remaining balance.
Do I need to have my physical Kohl's card to pay by phone?
No. You only need your account number, which is printed on your statement and in your online account. You do not need the physical card in front of you, though having it can make it easier to locate your account number quickly.