Where to send a Kohl's credit card payment
Kohl's accepts payments through several channels. The fastest way is to pay online through your Kohl's credit card account at Kohls.com — log in, go to your account, and select "Make a Payment." You can also call the customer service number on the back of your card to pay by phone, or mail a check to the address printed on your monthly statement.
If you have a Kohl's Charge card (the store credit card), payments go to a different address than payments for a Kohl's Visa or Mastercard. Always check your statement to confirm which address to use, because sending a payment to the wrong address delays posting and may trigger a late fee.
In-store payments are not an option at Kohl's locations. You must use one of the three methods above: online, phone, or mail.
Key Takeaways
- Online payment through Kohls.com is the fastest method and posts within one business day.
- Phone payments can be made by calling the number on your card, and the payment posts the same day if made before the cutoff time.
- Mailed checks should be sent to the address on your statement, not to a store location, and take 7 to 10 business days to post.
- Your payment due date is printed on your statement, and payments made after that date may incur a late fee even if they arrive within a few days.
Online payment through your Kohl's account
To pay online, visit Kohls.com and sign into your account using your email address and password. Click on "Account" or "My Account," then look for a link labeled "Make a Payment" or "Pay Your Bill." Enter the amount you want to pay and choose your payment method — debit card, bank account, or another Kohl's card.
Online payments are processed when ready and typically post to your account within one business day. You can pay at any time, including nights and weekends. If you set up automatic payments, Kohl's will charge your chosen payment method on the same date each month, which helps prevent missed due dates.
Keep your confirmation number from the online payment for your records. If you do not receive a confirmation email within a few minutes, contact Kohl's customer service to confirm the payment went through.
Phone payment with a customer service representative
Call the number on the back of your Kohl's card to reach customer service. A representative will ask for your account number and the amount you want to pay, then process the payment over the phone using your debit card, bank account, or another card. Phone payments are available 24 hours a day, 7 days a week.
Payments made before the daily cutoff time (usually around 8 p.m. Eastern) post the same day. Payments made after the cutoff post the next business day. Ask the representative for a confirmation number and note the date and time of your call in case you need to reference it later.
Mailing a check or money order
Write your account number on the check or money order, then mail it to the address printed on your monthly statement. Do not send payment to a Kohl's store location — it will not reach the payment processing center and will delay your payment. The address on your statement is the correct mailing address.
Mailed payments take 7 to 10 business days to arrive and post. To avoid a late fee, mail your payment at least 10 days before your due date. If you are close to your due date, use online or phone payment instead, which post much faster.
Understanding your due date and late fees
Your payment due date is printed on your monthly statement. Kohl's considers a payment late if it is not received by 5 p.m. Eastern on the due date. A late fee is charged if your payment arrives after that time, even if it arrives just one day late.
If you miss a payment, contact Kohl's customer service as soon as possible. Some late fees can be waived if you have a good payment history and contact them before the next statement closes. The longer a payment remains overdue, the harder it becomes to have the fee removed.
Payments are applied in this order: interest charges first, then fees, then the principal balance. This means if you are behind, your payment covers interest and fees before reducing what you owe on purchases.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Kohl's account online, go to "Account Settings" or "Payment Methods," and look for an option to set up automatic payments or "AutoPay." Choose the amount (minimum payment, statement balance, or a fixed amount), the date each month, and your payment method.
You can change or cancel automatic payments at any time through your account. If you cancel, you are responsible for making manual payments on time. Automatic payments do not change your due date — they straightforward charge your chosen payment method on the date you select.
What to do if your payment does not post
If you made a payment online or by phone and do not see it on your account within one business day, log back into your account to check the payment status. Kohl's usually shows pending payments in your account history. If the payment shows as pending, wait one more business day before contacting customer service.
If a mailed payment does not post within 10 business days of when you mailed it, call customer service with your check number and the amount. They can search for the payment and confirm whether it arrived. If the check was lost in the mail, you may need to stop payment on the original check and send a new one.
Keep your confirmation number from online or phone payments for at least 60 days. If there is a dispute about whether a payment posted, your confirmation number is proof that you made the payment.
Frequently Asked Questions
Can I pay my Kohl's bill at a store?
No. Kohl's does not accept payments at store locations. You must pay online through Kohls.com, by phone using the number on your card, or by mailing a check to the address on your statement.
What happens if I pay after my due date?
A late fee is charged if your payment is not received by 5 p.m. Eastern on your due date. The fee amount varies but is typically $25 to $40. Late payments also may affect your credit score if reported to credit bureaus.
How long does a mailed check take to post?
Mailed payments typically take 7 to 10 business days to arrive and post to your account. To avoid a late fee, mail your payment at least 10 days before the due date. If you are close to your due date, use online or phone payment instead.
Can I set up automatic payments for a fixed amount each month?
Yes. When you set up automatic payments in your Kohl's account, you can choose to pay the minimum payment, the full statement balance, or a fixed dollar amount each month. You can change the amount or cancel automatic payments anytime.
What should I do if I cannot pay my full balance?
Pay at least the minimum payment shown on your statement by the due date to avoid a late fee. You can pay more than the minimum at any time. If you are having trouble making payments, contact Kohl's customer service to discuss your options.