Where your Kohl's credit card payment goes
When you make a payment on your Kohl's credit card, the money goes to Kohl's Financial Services, which is the bank that issues and manages the card on behalf of Kohl's. Your payment reduces your outstanding balance and is applied to your account within one to three business days, depending on the payment method you choose. The card is issued through Kohl's Financial Services in partnership with Comenity Bank, so payments are processed through their system.
Kohl's credit card payments are separate from payments you make at the register when you shop. A register payment is a one-time transaction for that purchase. A credit card payment is money you send to pay down the balance you've built up over time on your account.
Key Takeaways
- You can pay your Kohl's credit card online through your account, by phone, by mail, or in person at any Kohl's store.
- Online and phone payments usually post within one business day; mail payments take seven to ten business days to reach the processing center.
- Your minimum payment is due by the date shown on your statement, and paying only the minimum means you'll pay interest on the remaining balance.
- Late payments are reported to credit bureaus after 30 days and can lower your credit score and increase your interest rate.
Paying online through your Kohl's account
The fastest way to pay is through the Kohl's website or mobile app. Go to Kohl's.com, sign into your account, and select "Pay My Bill" or "Make a Payment." You'll see your current balance, minimum payment due, and the due date. Enter the amount you want to pay and choose your payment method — you can pay from a checking or savings account, or use a debit card.
Online payments typically post within one business day. If you pay before 11:59 p.m. Eastern Time on your due date, it counts as on-time. Kohl's does not charge a fee for online payments from a bank account, but paying by debit card may incur a small fee depending on your card issuer.
Paying by phone or mail
You can call the Kohl's customer service number on the back of your credit card to make a payment over the phone. Have your account number and the amount you want to pay ready. Phone payments are processed the same day and usually post within one business day.
If you prefer to mail a check, send it to the address printed on your statement. Write your account number on the check and mail it to the payment processing center listed on your bill. Mail payments take seven to ten business days to arrive and be processed, so send your payment at least two weeks before your due date to avoid a late fee.
Paying in person at a Kohl's store
You can walk into any Kohl's store and pay your credit card bill at the customer service desk. Bring your credit card or account number and the cash or debit card you want to use to pay. In-store payments are processed when ready and post to your account within one business day.
This option is useful if you want to pay in cash or if you're already shopping and realize your payment is due soon. Store associates can also answer questions about your balance or payment options while you're there.
Understanding your statement and due date
Your Kohl's credit card statement arrives each month and shows your opening balance, all purchases and credits from that month, your minimum payment due, and your due date. The due date is usually the same day each month — often the 15th or 25th, depending on when your account was opened.
Your minimum payment is typically 1 to 3 percent of your total balance, plus any fees and interest charges. Paying only the minimum means the rest of your balance carries over to the next month and accrues interest. The interest rate on Kohl's credit cards varies but is typically between 17 and 27 percent, depending on your creditworthiness.
What happens if you miss a payment
If your payment is not received by the due date, Kohl's charges a late fee — usually $25 to $35 for the first late payment, and more for subsequent ones. A late payment also increases your interest rate, sometimes significantly. After 30 days past due, the late payment is reported to the three major credit bureaus (Equifax, Experian, and TransUnion) and appears on your credit report for seven years.
If your payment is more than 60 days late, Kohl's may freeze your account and stop allowing new charges. If it reaches 180 days past due, the account may be closed and sent to a collection agency. If you know you'll miss a payment, contact Kohl's customer service before the due date to discuss options — they sometimes offer hardship programs or payment plans.
Autopay and recurring payments
You can set up automatic payments through your Kohl's account to pay a fixed amount each month on a date you choose. This prevents missed payments and late fees. You can set autopay to pay your full statement balance, your minimum payment, or a custom amount. You can change or cancel autopay at any time through your account settings.
Autopay payments are drawn from your checking or savings account on the date you select. Make sure you have enough funds in your account on that date, or the payment will fail and you may be charged an overdraft fee by your bank.
Frequently Asked Questions
Can I pay my Kohl's credit card with a different credit card?
No. Kohl's does not accept credit card payments for your Kohl's credit card bill. You must pay from a checking or savings account, with a debit card, in cash, or by check. Paying a credit card with another credit card typically counts as a cash advance and incurs higher fees and interest rates.
What if I pay more than my minimum payment?
Any amount you pay above your minimum goes toward reducing your principal balance. Paying more than the minimum lowers the interest you'll pay over time and helps you pay off the card faster. There is no penalty for paying more than you owe.
How do I know if my payment was received?
Online and phone payments show a confirmation number when ready. Check your account online within one to three business days to confirm the payment has posted. For mail payments, allow ten business days and then check your statement or call customer service if you don't see it reflected.
Can I get my late fee waived?
If this is your first late payment and you've been a good customer, calling Kohl's customer service and asking politely may result in a one-time waiver. They have some discretion to remove fees, but there's no may provide. The sooner you call after missing a payment, the better your chances.
What's the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement was generated. Your current balance includes any purchases or payments you've made since then. You can see both on your online account. Your minimum payment is based on your statement balance, but paying your current balance pays off everything you owe right now.