Call Kohl's customer service to pay by phone using your Kohl's Card or another payment method
You can pay your Kohl's bill by calling Kohl's customer service directly. The process takes a few minutes and works whether you have a Kohl's Card or a regular Kohl's credit card issued by Citibank. You will need your account number, the amount you want to pay, and a payment method ready before you call.
The phone number for Kohl's customer service is 1-855-564-5705. This line is available seven days a week. Have your bill or statement in front of you so you can provide your account number quickly. If you are calling from outside the United States, check your statement for the international number.
When you call, a representative will ask you to verify your identity by providing your name, address, or the last four digits of your Social Security number. After verification, you can tell them how much you want to pay and which payment method to use. The payment is usually processed the same day if you call before the cutoff time, which is typically in the evening.
Key Takeaways
- Call 1-855-564-5705 to pay your Kohl's bill by phone; the line is open seven days a week.
- Have your account number and payment method ready before calling to speed up the process.
- You can pay with a debit card, credit card, or bank account; the representative will guide you through each option.
- Payments made before the evening cutoff are usually processed the same day, though it may take one to two business days to show on your account.
- Paying by phone does not change your due date or minimum payment amount.
What payment methods work over the phone
Kohl's accepts debit cards, credit cards, and bank account transfers when you pay by phone. You do not have to use a Kohl's Card; any major debit or credit card works. If you choose to pay from your bank account, you will need to provide your routing number and account number.
The representative will ask which method you prefer and will walk you through the steps. If you are paying with a card, they will ask for the card number, expiration date, and the three-digit security code on the back. If you are paying from a bank account, they will confirm the routing and account numbers before processing the payment.
Some people choose to pay from their bank account because it may have lower fees or because they prefer not to use a card. Others use a credit card to earn rewards or to keep the payment separate from their checking account. The choice is yours, and the representative can explain what happens with each option.
How long it takes for the payment to post
Payments made by phone are usually processed the same day if you call before the evening cutoff time. However, it may take one to two business days for the payment to show on your account. This delay happens because the payment has to move from Kohl's to your bank or card issuer.
If you are close to your due date, call at least two or three business days before the deadline to make sure the payment posts in time. If you call on a Friday evening or over the weekend, the payment may not process until Monday. Kohl's does not charge a late fee if the payment is in transit on the due date, but it is safer to pay earlier.
You can ask the representative when the payment will show on your account. They can tell you the exact date based on when you are calling and what payment method you chose. If you need the payment to post by a specific date, mention that when you call.
What to do if you want to set up automatic payments instead
If you prefer not to call every month, you can set up automatic payments through your Kohl's account online or by calling customer service. Automatic payments deduct money from your bank account or card on the date you choose each month. You can set them up to pay your full balance, your minimum payment, or a fixed amount.
To set up automatic payments by phone, tell the representative that you want to enroll. They will ask which date you prefer (usually between the 1st and the 28th of each month) and how much you want to pay each time. You will need to provide your bank account or card information, just as you would for a one-time payment.
Automatic payments can help you avoid late fees because the money comes out on a schedule you control. You can change or cancel automatic payments at any time by calling customer service or logging into your account online. If you set up automatic payments and then call to make an extra payment, both will go through unless you cancel one.
What happens if you miss a payment
If your payment is not received by the due date shown on your bill, Kohl's will charge a late fee. The amount of the late fee varies but is typically between $25 and $40, depending on your account and how late the payment is. A late payment also shows up on your credit report and can lower your credit score.
If you realize you will miss the due date, call customer service right away. Explain what happened and ask if they can extend the due date or waive the late fee. Some representatives have the authority to do this, especially if you have a good payment history. Even if they cannot waive the fee, calling shows that you are taking the situation seriously.
If you are more than 30 days late, Kohl's may report the account to a credit bureau, which will stay on your credit report for up to seven years. If you are more than 60 days late, Kohl's may freeze your account and stop you from making new purchases. The sooner you pay, the less damage it does to your credit and your account status.
Paying a Kohl's Card versus a regular Kohl's credit card
Kohl's offers two types of cards: the Kohl's Card, which you can only use at Kohl's, and the Kohl's Visa Card, which works anywhere Visa is accepted. Both can be paid by phone using the same number and process. The main difference is where you can use the card, not how you pay the bill.
If you have a Kohl's Card, the bill comes from Kohl's directly. If you have a Kohl's Visa Card, the bill is issued by Citibank, but you still call the Kohl's customer service number to pay. When you call, the representative will know which type of card you have based on your account number, so you do not have to specify.
Both cards have the same due date rules and late fee policies. Both allow you to pay by phone, online, or by mail. The payment process is identical regardless of which card you carry.
Frequently Asked Questions
Is there a fee to pay my Kohl's bill by phone?
No, Kohl's does not charge a fee for paying by phone. The payment is free whether you use a debit card, credit card, or bank account. Some card issuers may charge their own fees for certain types of transactions, but Kohl's itself does not add a charge for this payment method.
Can I pay someone else's Kohl's bill by phone?
You can pay if you are an authorized user on the account or if the account holder gives you permission and their account number. The representative will ask you to verify the account holder's identity or to confirm that you have permission to make the payment. If you are not authorized, you will not be able to pay over the phone.
What if I call and the payment does not go through?
If the payment fails, the representative will tell you immediately and explain why. Common reasons include an expired card, insufficient funds, or a mismatch between the address on file and the address you provided. Ask the representative what information needs to be corrected and try again with a different payment method if the first one does not work.
Can I pay my Kohl's bill by phone if I am behind on payments?
Yes, you can still pay by phone even if your account is past due. In fact, calling to make a payment is one of the fastest ways to bring your account current. The representative will apply your payment to the oldest charges first, which helps reduce the damage to your credit report.
Do I need to call every month, or can I pay multiple months at once?
You can pay multiple months at once if you want to. Just tell the representative the total amount you want to pay, and they will process it as a single payment. This can be useful if you are catching up on a past-due balance, but remember that your regular monthly due date does not change unless you set up automatic payments.