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Kohl's Credit Customer Service

Phone Number & Contact Info

Kohl's Credit's Best Phone Number

800-564-5740
Toll-free·Calls Customer Service·Most popular Kohl's Credit number
Free tools for easier calling
Q:

How do I talk to a live human at Kohl's Credit?

A:Press "0" at every prompt. Our free phone can also navigate phone menus to get a live human at Kohl's Credit for you.
Q:

Does Kohl's Credit offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Tuesday.
Q:

How long will I wait on hold?

A:The average hold time is 1 minute and 40 seconds. The longest hold times are on Saturday, and the shortest are on Tuesday. You can skip the hold time for free.

How do I get through the phone menu to a live person?

Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Kohl's Credit below.

Let us call and talk to Kohl's Credit for you

Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.

We can get a live person on the line for you

That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Kohl's Credit phone number to document the phone system.
Here is how our research team describes the way the Kohl's Credit phone system greets you: To make a payment or ask questions about Kohl's account: press 1. For order placement or existing orders: press 2. For enrollment questions, Kohl's rewards, point inquiries: press 3.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press "0" at every prompt.
Below are some clips we've found from Kohl's Credit's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Thank you for calling Kohl's. To make a payment or for questions regarding your Kohl's charge account, press one. For coals dot com assistance with order placement, or to check on an existing order, press two. For Kohl's rewards, point inquiries, You have selected Kohl's dot com. Remember, we are available by chat twenty four hours a day on Kohl's dot com. Just go to the contact us section and click the ask us button. Please note that our menus have recently changed."
Excerpt from a call with Kohl's Credit
Sunday, January 7, 2024 9:24 PM

They may ask you to enter information with the dial pad

"Thank you for calling Kohl's. To make a payment, or for questions regarding your Kohl's charge account, press one.
For Kohl's dot com assistance with order placement, or to check on an existing order, you have selected Kohl's charge.
Please enter in the last four digits of the primary account holder's Social Security number associated with this phone number followed by the pound"
Excerpt from a call with Kohl's Credit
Wednesday, October 9, 2024 2:06 AM

The first phone menu

"Thank you for calling Kohl's. To make a payment, or for questions regarding your Kohl's charge account, you have selected Kohl's charge.
To make a payment, or for questions regarding your Kohl's charge account, press one.
For Kohl's dot com assistance with order placement, or to check on an existing order, press two."
Excerpt from a call with Kohl's Credit
Tuesday, November 19, 2024 3:59 AM

After you press 2

"For Kohl's rewards, point inquiries, You have selected Kohl's dot com. Remember, we are available by chat twenty four hours a day on Kohl's dot com. Just go to the contact us section and click the ask us button. Please note that our menus have recently changed.
For existing orders, press one.
For new orders, press two.
For Kohl's cash, press three.
To reset your password, press four.
For Sephora orders, press five."
Excerpt from a call with Kohl's Credit
Sunday, January 7, 2024 9:24 PM

What are the hours and when should I call?

Kohl's Credit operates the call center for this 800-564-5740 phone number 24 hours, 7 days. The short answer is that you should call on a Tuesday. This observation and the following section are based on analysis of a sample set of 1,486 calls made in the last 90 days using our free, web-based phone (see above).

Automatically call when they open

When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the Kohl's Credit call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Kohl's Credit phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Kohl's Credit staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Kohl's Credit is Sunday. The most busy day to call is Tuesday, which averages 62% more phone calls by comparison. Again, this is based on a sample of 1,486 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Busiest
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Saturday, which is 330% longer than the minimum. As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
But if you use our free call and talk for me or wait on hold for me service, you don't really need to worry about average wait times.
Sun
Mon
Tue
Shortest
Wed
Thu
Fri
Sat
Longest

The best time to call Kohl's Credit

In summation, the best day to call Kohl's Credit is Tuesday. It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Kohl's Credit staffs up on Tuesday to handle the higher call volume, and that makes it the best time to call.

Calling this Kohl's Credit Customer Number

Christian Allen is the editor / author responsible for this content.
May 30, 2024

A few years ago I opened a Kohl's credit card, but I haven't used it in a while. I saw that the department store is offering Kohl's credit card members a special deal this weekend, but I don't know if my account is still open or not. I figured the best way to figure that out was by calling. If not, maybe I could reopen my account and save the hassle of doing it at the checkout. 

Of course, Kohl's is a massive department store with a lot of customers and likely a large amount of credit card holders. Therefore, I really didn't know how long the process would take me when I called. People might need help managing their credit cards, store returns, online orders, and more. 

When I called, an automated voice answered and said, "Thank you for calling Kohl’s. To make a payment or for questions regarding your Kohl's charge account press 1. For Kohls.com assistance with order replacement or to check on an existing order, press 2." I pressed one and then the automated voice said, "For servicing of your Kohl's card, press 1. For servicing of your Kohl's Visa press 2."

I pressed 1 again, and this time it told me, "To enter your account number, please press 1. To enter your complete social security number, please press 2." I entered my social security number and then it gave me several more options, but I chose 0 which transferred me straight to a wait line. It took about ten minutes, but I was able to talk to an agent. They had a slight accent and spoke quickly, but I was able to mostly keep up and found out that my account was still open which was helpful. 

Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.

Why Customers Call Kohl's Credit

If you have time to do a bit of reading before you call Kohl's Credit, we recommend you read over some of our problem-specific articles.

What is Kohl's Credit?

Kohl's Credit is a financial service offered by Kohl's department store. It is a credit card that allows customers to make purchases at Kohl's stores and online. By using Kohl's Credit, customers can take advantage of exclusive discounts, promotions, and rewards. The credit card can be used for various products, including clothing, home goods, beauty, and more. Kohl's Credit offers different payment options, giving customers the flexibility to pay off their purchases over time. Additionally, cardholders receive special benefits such as access to sales events and personalized offers. Kohl's Credit aims to provide a convenient and rewarding shopping experience for its loyal customers, incentivizing them to continue shopping at Kohl's.

What is the credit limit for a Kohl's Credit card?

The credit limit for a Kohl's Credit card varies and is determined by a few factors, including your credit history and income. Once your application is approved, Kohl's will assign you a credit limit that they believe is appropriate based on these factors. It could range from a few hundred dollars to thousands of dollars. However, it is important to note that your credit limit is not set in stone. It can be adjusted over time based on your payment history and creditworthiness. Kohl's also offers opportunities for credit limit increases if you demonstrate responsible credit behavior. It's always a good idea to manage your credit wisely and pay your bills on time to maintain a healthy credit limit and financial stability.

Can I use my Kohl's Credit card at any Kohl's store?

Yes, you can use your Kohl's Credit card at any Kohl's store. Our credit card is accepted at all Kohl's locations, making it convenient for you to shop and earn rewards wherever you go. Whether you visit a Kohl's store in your local area or during your travels, simply present your Kohl's Credit card at the checkout counter. Using your credit card at Kohl's also provides you with additional benefits such as exclusive discounts, special promotional offers, and the ability to earn Kohl's Cash. So, shop with ease and make the most of your Kohl's Credit card benefits by using it at any Kohl's store across the country.

Top Kohl's Credit customer service problems

Click the link above to get answers to just about any Kohl's Credit customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Kohl's Credit, and their purpose. Are any of these similar to the reason you are trying to call?
Request for Spanish speaker: "I need somebody speak Spanish."
- From a call lasting 4m 49s , Dec 2, 2024 11:16 PM
Order discrepancy inquiry: "I received an order yesterday and it has some notices that say I received two sets of forest green towels."
- From a call lasting 5m 34s , Dec 1, 2024 3:59 PM
Cancel missing credit card: "Yes. You guys sent me a credit card that I cannot find, so you need to cancel it."
- From a call lasting 9m 23s , Nov 29, 2024 6:14 PM
Order discount inquiry: "I thought I was getting the extra fifteen percent off."
- From a call lasting 5m 36s , Nov 29, 2024 3:14 PM
Information about why customers call Kohl's Credit is extracted from issues that customers have reported to GetHuman.
Kohl's Credit issues reported to GetHuman

More Kohl's Credit Customer Service Contacts

There are of course other ways to contact Kohl's Credit customer service besides the phone. Below we list the best ones, by medium.

Kohl's Credit Customer Help Desk / Web Support

cs.kohls.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Kohl's Credit customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Kohl's Credit's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Kohl's Credit agent. This phone number is Kohl's Credit's best phone number because 10,704 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-564-5740 include Setup an account, Question, Complaint, Lower my rate and other customer service issues. Rather than trying to call Kohl's Credit first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Kohl's Credit has 1 phone number. It's not always clear what is the best way to talk to Kohl's Credit representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Kohl's Credit. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Kohl's Credit. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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