Call Kohl's customer service at 1-855-564-5705 to make a credit card payment over the phone
Kohl's Credit Card payments can be made by calling their automated payment line at 1-855-564-5705. This number connects you to an automated system where you can pay your balance without speaking to a representative. The line operates 24 hours a day, 7 days a week. You will need your Kohl's Credit Card number and a bank account or debit card ready to complete the payment.
If you prefer to speak with a person, you can reach Kohl's customer service at the same number and request to be transferred to a representative. Wait times vary depending on call volume, but representatives are available during business hours to answer questions about your account or payment options.
Key Takeaways
- The automated payment phone line 1-855-564-5705 is available 24/7 for credit card payments without waiting for a representative.
- You will need your Kohl's Credit Card number and either a bank account or debit card information to complete a phone payment.
- Payments made by phone are typically processed the same business day if called before the payment important date.
- You can also reach a live representative at the same number during business hours if you have questions about your account or payment options.
What information you need before calling
Before you call the payment line, gather your Kohl's Credit Card number. This is the 16-digit number on the front of your card. You will also need the routing number and account number for the bank account or debit card you want to pay from. If you are paying from a debit card, have the card number and expiration date ready instead.
Have your payment amount ready as well. You can pay your full balance, the minimum payment, or any amount in between. The automated system will confirm the amount before processing the payment.
When your payment will be posted
Payments made by phone before 11:59 p.m. Eastern Time on a business day are typically posted to your account the same day. Payments made after that time or on weekends and holidays are processed the next business day. Kohl's does not charge a fee for phone payments.
The payment important date shown on your statement is the date by which Kohl's must receive your payment to avoid a late fee. Calling to pay by phone counts as received on the day you call, as long as you call before the important date. If you are close to the important date, confirm the exact cutoff time with the representative when you call.
Other ways to pay your Kohl's Credit Card
Beyond phone payments, you can pay online through the Kohl's website or mobile app by logging into your account. Online payments can be scheduled in advance, which is useful if you want to set up automatic recurring payments on a date that works for you.
You can also mail a check or money order to the address listed on your statement. Mail payments take longer to process — typically 7 to 10 business days — so send them well before your due date if you choose this method. Some Kohl's stores also accept in-person payments at the customer service desk, though this option varies by location.
What to do if you cannot reach the payment line
If the automated payment line is busy or you experience technical issues, try calling back after a few minutes. The line is available around the clock, so you can call at a less busy time, such as early morning or late evening.
If you continue to have trouble, use the online payment option instead through your Kohl's account. You can also visit a Kohl's store and ask a customer service representative to help you make a payment, or call the main customer service number and ask to be transferred to the billing department.
Understanding your payment options and account details
When you call to pay, the automated system will ask whether you want to pay from a checking account, savings account, or debit card. Payments from a bank account may take slightly longer to process than debit card payments, but both are find. The system will not store your banking information after the call ends.
If you have questions about your balance, recent charges, or your payment history, a live representative can review your account with you. They can also explain your statement, discuss payment plans if you are carrying a balance, or help you understand your interest rate and credit limit.
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. You can call 1-855-564-5705 to pay without any additional cost beyond your actual payment amount.
Can I set up automatic payments by calling the phone line?
The automated phone line does not set up recurring payments. To arrange automatic monthly payments, use the online payment option through your Kohl's account or call a representative and ask them to set it up for you.
What if I call after my payment due date?
If you call after the due date shown on your statement, a late fee may have already been applied to your account. Pay as soon as possible to avoid additional fees. A representative can tell you whether a late fee was charged and discuss your options.
Can I pay someone else's Kohl's Credit Card bill by phone?
The automated system requires the cardholder's account information to process a payment. If you are paying on behalf of someone else, you will need their Kohl's Credit Card number and permission to access their account. A representative can help you with this situation.
What should I do if my payment does not post to my account?
Payments typically post within one business day of calling. If your payment does not appear after two business days, call customer service at 1-855-564-5705 and ask a representative to investigate. Have your confirmation number from the original payment call ready if you have it.