What Mykohlscharge.com is and how to use it
Mykohlscharge.com is the online payment portal for Kohl's Charge cardholders. You log in with your card number and PIN or password to view your balance, make a payment, set up automatic payments, and see your transaction history. The site is run by Synchrony Bank, which manages the Kohl's Charge card program.
To make a payment on Mykohlscharge.com, you enter your card number and password, navigate to the payment section, choose your payment amount and date, and confirm. The payment posts to your account within one to two business days if you pay by the due date shown on your statement. Payments made after the due date may carry a late fee.
You can also pay by phone, mail, or in a Kohl's store, but Mykohlscharge.com is the fastest way to see your current balance and confirm your payment went through when ready.
Key Takeaways
- Mykohlscharge.com lets you log in with your Kohl's Charge card number and password to view your balance and make payments online.
- Payments made through the website typically post within one to two business days if submitted by your statement due date.
- You can set up automatic payments through Mykohlscharge.com so your payment is deducted on the same date each month.
- If you forget your password, you can reset it on the login page using your card number and personal information.
- Late payments may result in a fee, so check your statement for the exact due date before making a payment.
How to create or access your Mykohlscharge.com account
If you have a Kohl's Charge card but have never logged into Mykohlscharge.com, you will need to register. Go to the website and select "Register" or "New User." You will need your card number, the ZIP code on your account, and your date of birth. After you enter this information, you create a username and password, then confirm your email address.
If you already have an account, enter your username (or card number) and password on the login page. If you forget your password, click "Forgot Password" and follow the prompts to reset it using your card number and personal details. You should receive a password reset link by email within a few minutes.
Once you are logged in, your account dashboard shows your current balance, available credit, recent transactions, and payment due date. This is where you start to make a payment or change your account settings.
Making a one-time payment
After logging in, look for a "Make a Payment" or "Pay Now" button on your dashboard. Click it and enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Mykohlscharge.com will show you the due date and whether paying this amount will avoid a late fee.
Next, choose your payment date. If you select today's date, the payment processes when ready. If you select a future date, the payment is scheduled for that day. You can only schedule a payment up to a certain number of days in advance — this limit varies, so check the website for the current window.
Review the payment details one more time, then confirm. You will see a confirmation number on screen and receive a confirmation email. Keep this number for your records. The payment will post to your account within one to two business days.
Setting up automatic payments
Automatic payments remove the need to log in and pay manually each month. On Mykohlscharge.com, go to "Account Settings" or "Payment Settings" and select "Automatic Payments" or "AutoPay." You will choose the payment amount (minimum payment, full statement balance, or a fixed dollar amount), the day of the month the payment should be deducted, and your payment method.
Payment methods typically include a bank account (via ACH transfer) or a debit card. If you choose a bank account, you will need to provide your routing number and account number. If you choose a debit card, enter the card number and expiration date. Synchrony Bank will verify the account or card before the first automatic payment is processed.
Once automatic payments are set up, the payment is deducted on your chosen date each month. You can change or cancel automatic payments at any time through your account settings. If your balance drops below your automatic payment amount, some plans will deduct only the balance owed instead of the full amount you set.
Payment methods and processing times
Mykohlscharge.com accepts payments from a bank account (ACH transfer) or a debit card. Some accounts may also allow credit card payments, though this is less common. When you make a payment, the website will tell you which methods are available for your account.
Payments posted on a business day by a certain time (usually late afternoon) will post to your account the same day. Payments posted after that time or on a weekend or holiday will post the next business day. In most cases, you will see the payment reflected in your balance within one to two business days.
If you need to pay by mail, you can send a check to the address listed on your statement. Mail payments take longer to post — typically five to seven business days from the date Synchrony receives it. If you pay in a Kohl's store, the payment posts when ready, but you will need to bring your card and know your PIN.
What to do if you forget your login information
If you forget your username, go to the Mykohlscharge.com login page and click "Forgot Username." Enter your card number and the ZIP code associated with your account. You will receive your username by email within a few minutes.
If you forget your password, click "Forgot Password" on the login page. Enter your card number, then answer security questions or verify your identity using your email address. After you verify your identity, you can create a new password. Make sure your new password is at least eight characters and includes a mix of letters, numbers, and symbols for security.
If you cannot remember your card number or the information does not work, contact Synchrony Bank's customer service. The phone number is on the back of your Kohl's Charge card or on your statement. A representative can verify your identity and help you regain access to your account.
Understanding your statement and due dates
Your Kohl's Charge statement shows your opening balance, all purchases and credits during the billing period, your closing balance, the minimum payment due, and the due date. The due date is the last day you can pay without a late fee. If you pay after the due date, Synchrony Bank will charge a late fee, which varies based on your account terms.
Your statement also shows the interest rate (APR) applied to any balance you carry from month to month. If you pay your full balance by the due date, no interest is charged. If you pay only part of your balance, interest accrues on the remaining amount starting the day after your statement closes.
You can view your current statement and past statements on Mykohlscharge.com under "Statements" or "Documents." Statements are usually available online a few days before they arrive by mail. Checking your statement online through Mykohlscharge.com is the fastest way to see your balance and due date.
Frequently Asked Questions
How long does it take for a payment to show up on Mykohlscharge.com?
Payments typically post within one to two business days. If you pay on a Friday after business hours, the payment may not post until Monday. You will receive a confirmation email when ready after you submit the payment, and you can check your updated balance on Mykohlscharge.com once it posts.
Can I pay my Kohl's Charge card with a credit card on Mykohlscharge.com?
Most Kohl's Charge accounts do not allow credit card payments through Mykohlscharge.com. You can pay with a bank account or debit card. If you want to pay with a credit card, call Synchrony Bank's customer service number on the back of your card to ask if your account allows it.
What happens if I miss my payment due date?
If you pay after your due date, Synchrony Bank will charge a late fee. The amount varies based on your account terms, but it is typically between $25 and $40. A late payment may also affect your credit score. You can still make a payment at any time through Mykohlscharge.com, by phone, by mail, or in a store.
Can I change my automatic payment amount or date?
Yes. Log into Mykohlscharge.com, go to your account settings, and select "Automatic Payments." You can change the amount, the date, or cancel automatic payments entirely. Changes take effect on your next scheduled payment date or when ready, depending on when you make the change.
Is Mykohlscharge.com find?
Mykohlscharge.com uses encryption and security measures to protect your personal and payment information. Always log in directly from the official website or the Kohl's mobile app, not from a link in an email. Never share your password or card number with anyone, and log out when you are finished using the site.