Kohl’s credit card [Kohl’s Charge Card]
Last Updated on
Kohl’s credit card [Kohl’s Charge Card]
This is a card that has a high APR yet gives users who are unable to complete their balance discount on purchases. It is also known as Kohl’s credit card. Sadly, this card offers no reward program.
The Kohl’s Departmental store is known to be a subsidiary of the Kohl’s Corp. (NYSE: KSS), this is one of the largest retail stores when it comes to sales. Remember, Kohl’s is also known as a family-friend store which provides cheap quality clothing product. And have a lot of devoted customers due to the coupons of 30% discount it gives on store purchase and regular discount promotion. It also provides its personal branded retail store card which is useful only at Kohl’s.com and Kohl’s stores.
Does this card offer rewards?
The Kohl’s has no reward program but, customers are being given rewards through the Yes2You Reward program and Kohl’s Cash. The Yes2You reward program permits customers who make purchases to receive point which can be redeemed as a store card. While the Kohl’s cash gives credit on purchases. Kohl’s allows customers to get discount and promotion, and when it accumulates, brings about huge savings. Do not forget that the Kohl’s cash promotion comes occasionally and may not be given to non-cardholders.
What to expect?
I am delighted to tell you how this card works. This card offers users 25% discount on their first purchases and an extra 15% discount comes with this card (both with a limit). In addition to that, you will get 12 exclusive offers (that is issued monthly) and comes in the form of coupons.
Know it that this is a retail charge card and as such can be used only for Kohl’s purchases. Also, it comes with a store credit limit which is lower than the credit limit for normal cards. It requests no annual fee and allows a user who can pay an unsteady APR of 24.24% (this is for July 2016), to carry balance even though they are to be paid completely every month. This card awards credit of $300 to $3,000 base on the creditworthiness of users. But it might change.
Considering the fact that this is a retail store card, I will like to let you know that it is not like other cards. You might want to ask why? Here is it. As a retail store card, users will be given a low credit line and high APR if they choose to carry a balance, that is to say, it is issued as subprime credit. And no reward comes with this card. Unfortunately, this makes this card look useless. So, you can try a reward card that gives you cashback reward on purchases, if this card is not for you.
As users enjoy their card, they will also get: information on Kohl’s charge sales events via mail, additional saving discount for a year and will be given access to “My Kohl’s Charge” to get their account balance, sign up for paperless-statements and carry out free online payments.
How can I get Kohl’s employee discount card
Kohl’s Charge: As you make purchases using your charge card, you have automatically become an associate and you will get a discount as continue making purchases.
You can go to Kohl’s.com and click on the associate service at the end of that page then, print your discount card.
Do Customers at Kohl’s Store use this card?
This is a card that all customer at Kohl’s store wishes to apply for. To at least get the 12 exclusive discount bonus and other bonuses which it provides every year. Also, there is some customer who goes the extra mile to see that they are now able to stack discounts and promotion for huge saving. If you are not a regular customer at Kohl’s stores then, you can try other cards.
Can I use this card anywhere?
No, it can be used only at Kohl’s online store or department store.
How to pay your card bills?
Cardholders can use their debit card for paying card bills but not their credit cards. However, there are varieties of ways for paying card bills, see them below:
Online payment procedures
Going by this procedure, you are to first register your account at “My Kohl’s Charge for free online payments.” User can set daily payments of up to 180 days and any payment made after 7:00 p.m. (central time) will be added the next day.
Kohl’s App/Mobile Site
If you wish to make you card payments using your smartphone, just download the Kohl’s App or go to their website using your smartphone.
Secondly, after downloading the Kohl’s App, you are to link your Kohl’s Charge to the app. Then, set a payment option via My Kohl’s Charge using your smartphone or desktop. Because you will be needing a saved payment option for your account.
For the Autopay option, visit the homepage of this card.
For the alternate bill pay service: you are to send your payment at least five days before the due date so, their payment can be posted before or on the due date. This is so because the payment made using this method takes a long time for it to be posted since there will be checks on it.
If you wish, you can pay your card bills in the store, in cash, money order, debit card, Kohl’s Cares® card or check. I advise you to go for the check and cash payment if you wish to use the in-store. Since it allows you to clear all your credit for that day. All payments are welcomed until the store closes for the day and keep your receipt safe.
Note: If payment does not appear on your statement even on the next day, it will be backdated to the exact day you paid your card bills.
Moreover, the daily maximum combination of payment or Kohl’s Charge payment, which can be made via phone, in-store or internet is $3,000. And all payment above $3,000 can be set separately on different days or made through various channels. For instance; you can pay your card bills through phone and online or in-store.
Using your Phone
Phone Associate: you can call this number: (855) 564-5748 specifically from 7:00 a.m. to 9:00 p.m. (central time) for Mondays to Saturdays and on Sundays 8:00 a.m. to 9:00 p.m. (central time). Those you are making ACH payment, you will have to provide their account number and bank routing.
Automated Phone System: This is an automated phone system allows users to make their payment for free. As mentioned earlier, a credit card cannot be used to make purchases rather you are to use your debit card. If you are making ACH payment, you will have to provide your account number and bank routing.
Know that payment received after 5:00 p.m. (central time) will be posted the next day.
First, make your checks out to Kohl’s Payment Center and send it to:
Kohl’s Payment Center
P.O. Box 2983
Milwaukee, WI 53201-2983
But if you are a resident in any of the following states: AK, AZ, CA, CO, HI, ID, MT, NV, OK, OR, TX, UT, WA, and WV, just mail it to:
Kohl’s Payment Center
P.O. Box 30510
Los Angeles, CA 90030-0510
Additional Payment Procedures
Debit Cards: This allows you can speak with a live associate by contacting: (855) 564-5748 or the automated phone system. The automated phone system payments are not to exceed 6:59 p.m. (central time), because such payment will be posted the next day. But payment made with a live associate can post the same day even till the closing of business (11:59 p.m. central time).
Finally, customers can pay your card bills using a recognized Kohl’s Charge card or other major cads like the; MasterCard, Discover, American Express, Visa, JCB, Visa Checkout, Diners Club or MasterPass.