Call Kohl's Customer Service to Make a Payment Over the Phone
You can pay your Kohl's credit card balance by calling 1-855-564-5748. This is the official Kohl's customer service number for account and payment inquiries. When you call, have your Kohl's credit card number and your Social Security number ready — the automated system will ask for both before connecting you to a representative or letting you proceed with a voice-guided payment.
The line is open seven days a week. Wait times vary depending on the time of day and how busy the payment center is, but you should expect to reach someone or complete an automated payment within a few minutes of calling.
You can also reach Kohl's through their main customer service line at 1-855-564-5748 if you have questions about your account before or after making a payment. Representatives can answer questions about your balance, due date, interest rate, or payment history.
Key Takeaways
- Call 1-855-564-5748 to pay your Kohl's credit card by phone using an automated system or by speaking to a representative.
- Have your Kohl's card number and Social Security number ready when you call.
- Phone payments are processed when ready, but it may take one to two business days for the payment to show on your account.
- You can also pay online through your Kohl's account, by mail, or in person at a Kohl's store.
- The phone line is open seven days a week, though wait times are typically shorter during business hours.
What Information You'll Need Before Calling
Before you dial, gather these details so the call moves faster. You will need your Kohl's credit card number — the 16-digit number on the front of your card. You will also need your Social Security number or the last four digits of it, depending on what the system asks for during verification.
If you are paying from a checking or savings account, have your bank account number and routing number ready. If you are paying with a debit card, have that card number available. The system will ask which payment method you want to use before processing the transaction.
It also helps to know your current balance and due date, though the automated system can pull this information from your account if you provide your card number and Social Security number.
How the Phone Payment Process Works
When you call 1-855-564-5748, you will hear an automated greeting. The system will ask you to enter your Kohl's card number using your phone keypad. After you enter it, you will be asked to verify your identity — usually by providing your Social Security number or the last four digits of it.
Once verified, the system will tell you your current balance and due date. You can then choose to pay the full balance, the minimum payment, or a custom amount. The system will ask you to confirm the amount before processing.
Next, you will select your payment method — checking account, savings account, or debit card. Enter the account or card details as prompted. The system will confirm the payment details one more time before completing the transaction. You should receive a confirmation number at the end of the call.
When the Payment Posts to Your Account
Phone payments are processed when ready when you complete the call, but there is a delay before the payment shows on your Kohl's account. Most payments appear within one to two business days. Payments made on a weekend or holiday may take slightly longer because the payment center processes them the next business day.
If you need the payment to post by a specific date to avoid a late fee, call at least two business days before your due date. This gives the payment time to clear and post to your account before the important date.
You will receive a confirmation number during the call. Write this down or take a screenshot — you can use it to track the payment or reference it if you have questions later.
Other Ways to Pay Your Kohl's Card
Phone payment is one option, but Kohl's offers several other ways to pay depending on what works best for you. You can pay online by logging into your Kohl's account at kohls.com, clicking on your credit card account, and selecting the payment option. Online payments also process within one to two business days.
You can mail a check or money order to the address printed on your monthly statement. Mail payments take longer — typically five to seven business days — so send them well before your due date if you want to avoid a late fee.
You can also pay in person at any Kohl's store. Walk to the customer service desk and tell them you want to make a credit card payment. They can process a payment using a debit card or check. In-store payments are when ready, though they may take one business day to show on your online account.
What to Do If You Have Trouble Making a Payment
If the automated system disconnects or you encounter an error during the phone payment process, call back and try again. If the same error happens twice, ask to speak to a representative by staying on the line or pressing the option to speak to someone.
If your payment is declined, the system will tell you why — usually because the bank account or card number you provided was incorrect, or because there are insufficient funds. Double-check the account or card number and try again, or use a different payment method.
If you need to dispute a payment, report a fraudulent charge, or have questions about a payment you already made, speak to a representative. They can look up your payment history and help resolve the issue.
Frequently Asked Questions
Can I pay my Kohl's card by phone if I don't have the card with me?
Yes. The system only needs your card number, which you can provide from memory or find in your online account. If you do not know your card number, you can log into your Kohl's account online or call customer service and ask them to look it up using your Social Security number.
Is there a fee to pay by phone?
No. Kohl's does not charge a fee for phone payments. You pay only the amount of your balance or the custom amount you choose to send.
Can I set up automatic payments over the phone?
The phone line handles one-time payments only. To set up automatic recurring payments, log into your Kohl's account online or speak to a representative who can enroll you in autopay.
What if I call after hours?
The automated payment system runs 24/7, so you can make a payment any time. If you need to speak to a representative, call during business hours — typically 8 a.m. to 10 p.m. Eastern time, seven days a week, though hours may vary by season.
How do I know if my payment went through?
The system will give you a confirmation number at the end of the call. Write it down. You can also log into your Kohl's account online the next business day to see if the payment has posted. If it has not posted within two business days, call customer service with your confirmation number.