Kohl’s stores are recognized in the United States as one of the largest quality clothing retailers at low prices. They have built customer loyalty through frequent discount promotions.
One of their benefits is the credit card to make all the purchases you want in their stores; they have different benefits and promotions by owning one. However, they can only use them in their stores.
How to access the Kohl’s card?
Kohl’s credit cards are a product that allows you to make all the purchases you want both in their physical stores and online. They cannot use them at other stores because it is a retailer’s credit card.
Like any credit card, it will have a credit limit; it is also lower than a regular one. Your limit will depend on your creditworthiness; you can have between $300 and $3000, although it is almost always less than $1000.
To apply for your card, you have to enter the Kohl’s online store, go to the application tab, add the requested data, and use. You can also do this directly at their stores; they will give you the form to fill it out.
You should know that the store does a credit check to determine if you meet their credit requirements to approve your card. This evaluation can affect your credit score.
From the beginning, you should be clear that this is not a rewards card, although while using it, you can get some gifts for purchases made; for this, you will also need to be part of the Kohl’s cash rewards program.
For your purchases, you can earn credits, meaning you could get up to $5 Kohl’s Cash when you make a $50 purchase of merchandise. They also usually have good promotions for those who purchase a credit card from their store.
One benefit is 35% off your first purchase with your credit card. Promotions are offered periodically; they will allow you to accumulate discounts and promotions to help you have great savings on your next purchase.
While all store customers can participate in the discount programs, you will have additional offers ranging from 10 to 30% off your first purchase when you own a Kohl’s credit card.
Factors to consider before purchasing a Kohl’s credit card
As we mentioned before, it is only a credit card that you can use at Kohl’s stores; you are not allowed to transfer the balance from your account to another one. Another factor you should be aware of is the APR; the credit card’s annual percentage rate is 21.9% for unpaid balances.
You must be very sure that you can pay off the card monthly before signing up. Otherwise, you will have to face the above rate. It is not a rewards card. The benefits obtained will be the discounts offered by the store.
We do not call these factors disadvantages because you could use them to your advantage; not being a credit card suitable for any establishment, you will not think of taking it out everywhere and charge a large debt complicated to pay.
The high APR and low spending limit motivate you to keep your card balance low and pay it off on time. It’s a good way to keep your credit history positive.
How do I pay off my Kohl’s credit card?
The first step is to register through the Khols.com website. When you are on the home page, look for the “register now” tab and in the appropriate field, enter your 12-digit credit card number.
Once you submit it, a new form will appear where you will have to enter your name, date of birth, social security number, and zip code. On the next page, it is time to create a username and password; you will also need a security question for password recovery if you forget it.
Now you can pay your credit card online
When you have your registration ready, log in with the user you created earlier. Look for the “account” option in the upper-right corner of the home page. A new window will open where you must select “login” or “My Kohl’s Charge.”
You will be able to choose three ways to pay your credit card; you have the individual payment to make a single payment by crediting the minimum payment available. You only have to set the date on which the amount is deducted from your checking account.
Furthermore, you can also make the total payment of the debt, press the total amount, add your bank details, and confirm the transaction; you must do this every month before the debt’s due date.
The third option is the automatic payment; through the website, you can sign up for AutoPay, add the number of the card or checking account you will pay monthly, and activate the automatic discount option.
You can carry out all of the above options through your user on the company’s website. All options are located in the main menu, and as you complete each process, the page will indicate the next step to meet your payments.
Pay your card through a phone call
If you have problems with the web platform, you can call the automated system by phone at 855 – 564 – 57 – 48, it is free, and an operator will attend to you. Before making the call make sure you have your current account number handy.
Now, if you have issues completing the payment, you can call customer service; in the operator options of the phone number above, you will find the choice to speak with an agent. These calls should be made Monday through Friday, between 7 am to 10 pm.