Kohl’s credit card is actually a charge card that allows you to save more than what you can expect with a typical credit card. While most store credit cards can offer 5% cash back, Kohl’s charge card can offer exclusive discounts of 30%, 20% or 15% at least 12 times a year. You may, however, have to pay in full every month to avoid a hefty late fee. This is because a charge card, unlike a credit card, doesn’t offer a revolving credit line.
You may ask if a charge card is really what you need. Well, it can indeed be a better option if you want it for convenience and rewards. You won’t have to give a damn about the interest rate and minimum balance. Use the card, avail the benefits and pay in full every month – this is what a charge card is meant for. Though you won’t be allowed to carry forward your debt you can avail the benefits of no preset spending limit and no annual fee.
The best way to pay Kohl’s credit card is to register your account online and take advantage of features like free online payments, access to statement and transaction history, account maintenance, and paperless statements. Once you sign up for the account, you simply need to log in using your User Name and Password. The login page also contains help features in case you forget your user name or password.
You must pay your charge card bill on time to avoid a late fee. It sounds a better idea to use Kohl’s Charge AutoPay service, which can automatically debit your bank account each month to pay for your card balance. You must have your online account login details to enroll for the AutoPay service, which is offered for free. Since balance transfer is not possible on a charge card, you can’t use a credit card to pay for your Kohl’s card.
You can, however, use a debit card to pay over the phone with a live associate. Note that this service is not free and a fee may be charged. The phone number to get a Kohl’s customer service representative for payment is (855)564-5748. Another option is to use the same phone number for automated payment service, which is available 24 hours a day, 7 days a week for free.
Kohl’s credit card can also be paid in-store or by mail. For in-store payment, you can use a check, cash or money order. To pay by mail, you can send your check to Kohl’s Payment Center, the address of which can vary depending upon your location.
The mailing address of Kohl’s Payment Center for people residing in AK, AZ, CA, CO, HI, ID, MT, NV, OK, OR, TX, UT, WA and WV is as follows.
Kohl’s Payment Center
P.O. Box 30510
Los Angeles, CA 90030-0510
The mailing address of Kohl’s Credit Card Payment Center for people residing in other than the states mentioned above is as follows.
Kohl's Payment Center
P.O. Box 2983
Milwaukee, WI 53201-2983
Way back in 2006, Kohl’s sold its credit card business to J.P. Morgan Chase, which again transferred several millions of accounts to Capital One in 2011, making it the current issuer of Kohl’s credit cards and charge cards. As a result, a user of Kohl’s charge card is actually dealing with Capital One when he or she makes payment or apply for a new card.
You must go through the privacy policies of the issuing bank as well as the store brand before signing up for a new card either at a store or online. Your credit card application is processed through the bank and the approval is dependent on your credit score and other details.
An existing user can log on to his or her online account for more information about the payment options. If you are facing login issues, you can call the Kohl’s credit card customer service at (855) 564-5748 or email MyKohlsCharge@kohls.com.