What Kohl's bill pay is and how it works
Kohl's bill pay lets you send a payment to your Kohl's Credit Card account through their website or mobile app. You can pay your full balance, a minimum payment, or any amount in between. The payment goes directly to your account and typically posts within one to three business days, depending on the payment method you choose.
Kohl's offers three main ways to pay: online through their website or app, by phone, or by mail. Each method has different processing times and works best in different situations. Online and app payments are fastest for most people; phone and mail are slower but may work better if you do not have internet access or prefer to speak with someone.
Key Takeaways
- You can pay your Kohl's Credit Card bill online, through the mobile app, by phone, or by mail, with online payments posting fastest.
- Online and app payments typically post within one to three business days, while mail payments can take two to three weeks to reach your account.
- Your minimum payment due date appears on your monthly statement, and paying late triggers a late fee and may raise your interest rate.
- Setting up automatic payments through the Kohl's website prevents missed payments but requires you to choose a fixed amount each month.
- If you cannot pay your full balance, paying more than the minimum reduces the interest you owe on the remaining balance.
Paying online or through the Kohl's mobile app
Log into your Kohl's account on their website or open the Kohl's mobile app, then select "Pay My Bill" or a similar option in the account menu. You will be asked to enter the amount you want to pay and choose a payment method: debit card, bank account, or credit card. Kohl's does not charge a fee for debit card or bank account payments, but using a credit card to pay may trigger a cash advance fee from your credit card issuer.
Payments made before 11:59 p.m. Eastern Time typically post the next business day. If you pay after that time or on a weekend, the payment posts the following business day. This makes online payment the fastest option for most people who need their payment to reach their account quickly.
Paying by phone
Call the customer service number on the back of your Kohl's Credit Card. A representative will ask for your account number, the amount you want to pay, and your payment method. You can pay with a debit card or bank account over the phone. The call is free, and there is no fee for the payment itself.
Phone payments typically post within one to three business days. This method works well if you do not have internet access, prefer speaking with someone, or want to ask questions about your account balance or payment options at the same time.
Paying by mail
Write a check or money order payable to Kohl's, include your account number on the check, and mail it to the address shown on your monthly statement. Do not send cash through the mail. Mail payments take significantly longer to process — usually two to three weeks from the time you mail the check until it posts to your account.
Mail payment is the slowest option and should only be used if you cannot pay online, through the app, or by phone. If your payment is due soon, mailing a check risks a late payment. If you must use mail, send it at least three weeks before your due date.
Setting up automatic payments
You can arrange for Kohl's to withdraw a fixed amount from your bank account on a date you choose each month. Log into your account online, go to the payment settings, and select "Automatic Payments" or "Recurring Payments." You will choose the amount, the date each month, and confirm your bank account information.
Automatic payments prevent missed payments and late fees, but they only work if you choose a fixed amount. If your balance changes month to month, you will need to adjust the automatic payment amount or make an additional payment some months. You can cancel or change automatic payments at any time through your account settings.
What happens if you miss a payment or pay late
A payment is late if it does not post by the due date shown on your statement. Kohl's charges a late fee — the amount varies but is typically $25 to $40 — and reports the late payment to credit bureaus. A single late payment can lower your credit score by 100 points or more, depending on your credit history.
If you pay 30 days or more late, Kohl's may also raise your interest rate, sometimes to a penalty rate that is significantly higher than your regular rate. If you realize you will miss a due date, contact Kohl's customer service before the date passes to discuss options. Some cardholders have been able to negotiate a waived fee or a one-time extension, though this is not may provide.
Understanding your statement and minimum payment
Your monthly statement shows your current balance, the minimum payment due, and the due date. The minimum payment is usually 1 to 3 percent of your balance, or a fixed dollar amount like $25, whichever is greater. Paying only the minimum means you will pay interest on the remaining balance and take much longer to pay off the card.
If you carry a balance, the interest rate on your Kohl's Credit Card appears on your statement as the Annual Percentage Rate (APR). This rate is applied to your balance each month, so paying more than the minimum reduces the total interest you owe. For example, if your balance is $1,000 and your APR is 20 percent, paying $100 per month instead of the $25 minimum will save you hundreds of dollars in interest over time.
Frequently Asked Questions
Can I pay my Kohl's bill with a credit card?
Yes, you can pay with a credit card online or through the app, but your credit card issuer may charge a cash advance fee. This fee is typically 3 to 5 percent of the payment amount. Using a debit card or bank account avoids this fee.
What should I do if my payment does not post on time?
Contact Kohl's customer service with your payment confirmation number or receipt. If you paid online or by app, you should have a confirmation number. The representative can check whether the payment is processing and when it will post. If there was an error on Kohl's side, they may reverse a late fee.
Is there a fee to pay my Kohl's bill?
No, Kohl's does not charge a fee for payments made by debit card, bank account, or check. Credit card payments may trigger a cash advance fee from your credit card issuer, not from Kohl's.
Can I change my automatic payment amount or date?
Yes, you can change or cancel automatic payments anytime through your account settings online or by calling customer service. Changes typically take effect within one to two business days, so plan ahead if your next payment date is coming up soon.
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement was generated, usually the end of your billing cycle. Your current balance includes any purchases or payments made after that date. You can see both on your statement or by logging into your account online.