Most Asked Questions about Kohl’s Credit Card

Do I Need To Pay Off My Card Right Away?

No, it’s not necessary to pay your credit card off immediately (as in the same day you charge) but it’s a good habit to pay the entire balance off before your due date. This will help you avoid interest and will also keep you from using your credit card indiscriminately. For whatever reason, if you are unable to pay your entire balance off; at least pay the minimum amount due. You can read more on this here


How Do I Get A Credit Line Increase?

You can call your credit card company’s customer care @ 800-955-7070 and request a credit line increase. But this will involve, for sure, a hard review of your credit score which will bring your credit score down. For tips, alternatives and more; please visit


What Credit Score Will I Need?

You would ideally need, what’s called, a Fair Credit (i.e. a credit score of 620 and above) to be eligible for this card. But factors like income and existing debt obligations are also taken into consideration while deciding on your application. You can check your credit score for free at WalletHub


If I Am A Day Late With My Payment, Will It Go Against My Credit Score?

No, if you are one day late with your payment it doesn’t get reported to the credit bureau. But if you are more than 30 days late, it will get reported for sure.


Can You Pay The Kohl’s Charge With A Credit Card While You Try To Earn Some Miles?

Unfortunately, paying your Kohl’s Credit Card bill with another credit card is not an option. There are; however, other methods of making your payment which is explained here


How Do I Report A Lost Kohl’s Credit Card?

You can call customer care @ 800-955-7070 and report your card lost.

Alternately, you could also log in to your account online and report your card lost. Please go through your recent transactions and the next few monthly statements carefully to ensure that there has been no unauthorized charges on your card. You can find more on this topic here


Can I Use This Card Outside Kohl’s?

Unfortunately no; you can only use the Kohl’s card at the Kohl’s store or at


What Does The Minimum Payment Mean On The Kohl’s Statement?

The minimum payment is the minimum amount you can pay towards your Kohl’s Card by the due date, every month. In most cards the minimum payment is calculated at 3% of the total outstanding balance (subject to a minimum of $10–$25). If this amount is not paid by the due date, you will be charged a late fee. It is recommended that you go through the article on Paying Credit Card Bills and How Credit Card Interest Works


My Kohl’s Card Was Approved But I Don’t Have It Yet. Can I Use My Credit Before It Arrives?

If your Kohl’s Charge Card application is approved then you will receive a temporary credit card number which you can start using immediately at or at the Kohl’s store.


Which Bank Issues Kohl’s Credit Cards?
Capital One


Can I Get A Secondary Card For My Spouse?

Yes, you can. Just have your spouse added as an authorized user and the issuing bank (Capital One) will have a card sent in your spouse’s name.

Kohl Hours

There are more than 1,100 Kohl’s stores across the United States yet—finding a store closest to you and their hours of operation—wouldn’t be a walk in the park. In such a situation you could use Kohl’s Store Locator.

On this site, you can click on “Share Your Location.” Through this, the system will automatically pick your location up and provide you with a list of stores in and around your locality.

Alternately, you can “Enter City or Zip” and select radius (ranging from 10 miles to 100 miles). Once you’ve given the correct details, click “Find Stores Near You.” This will display a map on your screen with all the store locations in the vicinity. Once you click on any of it; a pop-up will give you the store’s address and also a link to that particular Kohl’s store. Clicking on that link will take you to their website where you will find their hours of operation, directions, daily deals, coupons and stuffs like that.

7 Best Coupon Sites to Get Kohl Coupons

This site belongs to RetailMeNot, Inc. (formerly Whaleshark Media) is an American multinational company headquartered in Austin. Founded by Cotter Cunningham, the site claims to be the world’s largest marketplace for digital offers such as coupons and promo codes. Through this particular link, you can access all the coupons and promo codes on offer from Kohl’s. Enjoy the savings.

This another site (owned by Groupon) through which you can find all the coupons and discounts from Kohl’s. Groupon is an American worldwide e-commerce marketplace that offers goods & services, travel and activities in more than 28 countries. Based in Chicago—and launched in November 2008—Groupon is now present in more than 500 cities around the world and has more than 48 million active users. Groupon is one site whose deals can be trusted and when a name like Groupon has associated itself with Kohl’s; you can be rest assured of the reliability Kohl’s offers brings you.

This is Kohl’s in-house site where you will find tons of coupons and promo codes on a wide range of products like furniture, jewelry & accessories, sports equipment, toys and a lot more. Kohl’s is the 2nd largest department store in America and offers from such a huge company is certainly worth your time and effort. So click on and save along!!

DealsPlus was founded in 2006 as a social deal and coupon site. It sources deal and coupon content from its community of users as well as from a group of power users called Money Makers. This is a place where people share top deals with each other — you could call it a torrent site of the discount world. Through this link you can find a hell lot of Kohl’s deals.

This is a deal hunting site run by a guy named Brad — hence the name. They have a team of Fashionistas, comic artists and yoga teachers to bring you the kind of varieties you would love to see in your deals. Kohl’s has partnered with Bradsdeals to bring their world of deals to you and with the holiday season round the corner… it might just be the best savings corner for you.

GoodShop (formerly Goodsearch) was founded in November 2005 by siblings Ken Ramberg (Co-Founder of JOBTRAK) and JJ Ramberg (host of MSNBC’s weekend show Your Business). The brand totally lives up to its name as they make a lot of donations to NGOs of your choice for almost every purchase you make — it is a [Good]shop indeed and with partnership from Kohl’s, they bring to you all the lip-smacking deals from the Kohl’s kitty.

Coupon Sherpa features a wide array of online as well as printable coupons (thumbs up to that). The site also hosts a blog which offers a lot of useful tips and tricks for saving money in a consumer’s everyday life. Their mission is to make saving money online easy for shoppers. Kohl’s have partnered with Coupon Sherpa to bring you shopping deals the size of Jupiter.

Tips For Getting A Higher Credit Limit

There is no magic wand to earn a higher credit limit and you will, most likely, not get it if you are not in a financial position to support it. With that being said, you could always try some of these points.

Make Your Case: You could request for a credit line increase online or over a call but talking to someone certainly adds a human touch to the situation. You can build your case for why you deserve a higher credit line by presenting points like: your bank records, past payment details, plans for using the added credit, etc. This tactic is most effective in the first six months of opening your account. You could face rejections, so keep jumping from one rep to another till you succeed.


Maintain A Secured Card Deposit: If additional credit is your way of building credit; all you need to do is to open a Secured Card Account and maintain a deposit there. Secured cards have been known to be most effective in augmenting your credit worthiness.


Leverage Your Business: You could also threaten to take your business elsewhere. This tactic is most effective when a company is locked in a fierce competition with its competitors. You might just mention lucrative sign-up offers being offered by rival companies at the time of negotiation. If your credit card company feels your business is worthy of retaining, chances are, you’ll get an increase; else, you can start looking for greener pastures.


Apply For A New Credit Card: A new credit card would certainly give your overall available credit a lift but if your finances are not in a convincing position, getting a new unsecured credit card might be tough.


Automatic Increase: Your credit card account is regularly evaluated to see if your account merits for a credit line increase. Your role in this process — is to wait.


Pros & Cons Of A Higher Credit Limit


Credit Utilization: Credit Utilization accounts for 30% of your total credit score. It is calculated for all your credit cards individually and collectively. In a layman’s terms it means that if you have little debt and a lot of available credit, your credit utilization ratio is low; this, in turn, is good for your credit score.

Added Spending Power: It goes without saying that a higher credit line brings with it more spending power. It’s good for those who intends on utilizing this added credit on responsible expenses such as medical bills and stuffs like that. But if your intentions are a lifestyle makeover — this might just be your quick sand.

Minimum Impact On Credit Score: Applying for a new credit card hurts your credit score far more than requesting a credit line increase. A credit line increase will also affect your utilization ratio but the impact won’t be as deep.



More Debt Potential: The average household owes at least $7000 in credit card debts, this adds up to $60 billion in credit card debt in 2014 alone. And the same figure is expected year on year, so this overspending habit carries an imminent threat to your own finance.

Inability To Get Other Loans: If you have a higher credit line, chances are, other financial institutions will see you — less lendable.

How to Use Associate Discount

Store Payments:

  • When you use your Kohl’s Charge, you will be automatically recognized as an Associate and on checkout, the discounts will be applied.
  • Other tenders: to print your discount card, click on the Associate Services option of


Online Payments:

  • The Associate discount can only be received when you use Kohl’s Charge at
  • Few days after you order, the Associate Discount appears in the My Kohl’s Charge. In your transaction history, it will appear as a separate item.
  • It will not be shown in the confirmation email or confirmation page.
  • The discount is not given on the Wayfair items.

To recognize your Kohl’s Charge, a time period of around 20 days can be taken.


Associate shopping:

  • A pass is not needed by associates.
  • Store: at your shopping in store, the discount is applied automatically through your Kohl’s charge. In case of other tenders, the Spouse discount card or Associate discount card is to be shown.
  • Online: the discount is applied automatically to the Kohl’s charge statement when online payment is made.
  • You can combine the discount with %-off or $-off discounts.
  • On exclusive brands, both regular and additional discounts are available.
  • Associate’s spouse, children or any other individual on the federal income tax form of associate can be considered as eligible family members.


Family and Friends Shopping Events

In case of Family and Friends Shopping events, you will be given Associate Shopping Pass with other passes to give to friends and family. The details of the pass must be considered while combining the discounts because of different guidelines for online and store payments.


Return and Discount

In your transaction history, your return is depicted as RETURN AT and your charge back of original discount can be seen as ‘EMP DISC RTRN…”

Schedule future payments at mykohlscharge

Can I schedule future payments at My Kohl’s Charge?

Payments can be scheduled every day through the My Kohl’s Charge Account of customers. The payments can be scheduled in advance till 180 days. When the payment has been schedule, an email will be sent to you regarding the same. When you schedule a payment at My Kohl’s Charge, it can be cancelled any time you want, before the date of scheduling. For this, you have to click the ‘Payments’ option and then click on the ‘View Scheduled Payments’.

The Kohl’s Charge payment can be made online or through phone to the maximum limit of $3,000. Separate payments may have to be scheduled for exceeding the limit, on different days through separate channels. Like, if your first payment has been made online, you can make the second payment through store.


Reference links:-    

Kohl’s charge payment Options

Till this time, the credit cards are not accepted no matter what payment method has been chosen. Debit cards can be used when the payment is made with phone or in store.


Online Payment

When you register at My Kohl’s Charge, you can make free online payments with your account. One payment can be scheduled for one day till 180 days. After 7 p.m., the payments will be postponed for next day.

There is also an AutoPay option available.


Alternate service for bill pay:

The online payments made till 7 PM central time are only made on the same day through My Kohl’s Charge. When an online payment is made with another bill payment service it can take a little longer because some of the online bill providers send check to Kohl’s charge. This kind of payment must be sent at least five days before the due date so that payment is posted timely.


Payment by Phone:

  • Automated Phone System: you can call at (855) 564-5748 through your automated phone system, anytime during the day for making free payments. You will require mentioning an account number and bank routing.
  • Phone Associate: Between 7 AM and 10 PM, you can call (855) 564-5748 for making payments, from Monday to Saturday and on Sundays the time is between 9 Am and 10 PM.


Debit Card:

Debit card payments can only be made when you’re making payment on the phone with live associate. These payments are posted the same day.


Payment by Mail:

These payments if received after 5 PM will be posted the next day.

The check is to be mailed to:

Kohl’s Payment Center
P.O. Box 2983
Milwaukee, WI 53201-2983

The customers of states – AK, AZ, CA, CO, HI, ID, MT, NV, OK, OR, TX, UT, WA and WV can send the mail to:

Kohl’s Payment Center
P.O. Box 30510
Los Angeles, CA 90030-0510


Payment in store:

Payment in store can be made via a check, debit card, money order or by cash. The payments are also accepted through Kohl’s Cares® card. The payments will post the same day when paid at register through cash or check. Receipt must be kept for records.


Reference links:-

Forgot mykohlscharge Password?

On, a user can log in with two different accounts that is, My Kohl’s Charge (when you have a KohlsCharge account) and shopping account (when you purchase items on The pages can be accessed through the following links:

My Kohl’s Charge shopping account


My Kohls’ Charge Account:

  • Click here to navigate through this account. You have to review the image to make sure that you’re on the page.
  • In case you forgot the password, re-registration is to be done by answering the security questions chosen by you at the time of registration. A temporary password is sent to your email which can be used to sign in and a new password can be created.
  • The username for your My Kohl’s Charge account is not your email. It must be 4-20 characters long and there must be minimum one letter, without any special characters or spaces.
  • The password for your My Kohl’s Charge account must be at least 8-20 characters long. It cannot have any special characters or spaces. It must have one upper case and one lowercase letter and at least one number.


Steps to reset mykohlscharge password:

In case you’ve forgotten your password, you can have a new password emailed to you if you follow these steps:

  • At the sign up page, click on the blue link that says ‘Forgot Password’. You’ll be asked to enter your username and the last four digits of your social security number, so that your account can be located. Enter the required information.
  • In the next step, validate your online identity by answering a few questions.
  • Check your email for a temporary password being sent to you. You can copy and paste your temporary password to the password filed of mykohlscharge account along with your username and thus, you can sign in.
  • Once you login with the temporary password, you need to immediately reset your new password.