How to Cancel a Kohl’s Credit Card

You can close your Kohl’s credit card account in two ways: online or over the phone. However, there are some things you should know before officially canceling your credit card, so you don’t cost yourself money or damage your credit score.

If you’re on the fence about deactivating your Kohl’s account, there are alternatives you can explore.

What to know before canceling your Kohl’s credit card

Closing a credit card account has some hidden consequences you should consider before you take steps to officially shut down your Kohl’s credit card account. Here are some things to consider before ending your line of credit:

• You’ll keep your points: According to Kohl’s, any unredeemed rewards you’ve earned on your credit card will remain in your Kohl’s Rewards account.
• You’ll still get billed: If you leave an unpaid balance on your Kohl’s credit card, the debt won’t disappear when you close the account. Instead, you’ll continue to be billed until the balance is paid in full, even if your Kohl’s account is fully closed.
• Your credit score may drop: Canceling a credit card may affect your credit utilization ratio and your credit age (though the latter will only be affected in your VantageScore, not your FICO score). Both of these are factors in your credit score, so you may see a slight drop in points when you shut down your Kohl’s credit account.

How to close a Kohl’s credit card account

There are multiple ways to cancel a Kohl’s credit card. Here’s how to close your Kohl’s account using the best method for you.

How to cancel a Kohl’s credit card online

To cancel your Kohl’s credit card online, follow these steps:

1. Go to the Kohl’s customer service center
2. Open a chat window at the bottom right corner of the page
3. Message an agent about your request to close your card
4. Have your account details (like your credit card number) on hand
5. Follow the prompts to complete the credit card closure

How to cancel a Kohl’s credit card by phone

To cancel your Kohl’s credit card by phone, call (800) 564-5740.

Tell the agent you want to cancel your credit card and provide them with your account details.

Alternatives to canceling your Kohl’s credit card

If you’re not yet set on closing your Kohl’s credit card for good, consider one of these alternatives.

Request a credit limit increase

Considering canceling your Kohl’s credit card because you need more credit? Don’t pull the trigger until you’ve first tried requesting a credit limit increase.

To get a Kohl’s credit limit increase, call the number on the back of your credit card.

Negotiate your interest rate

If a high interest rate is what’s giving you pause about your Kohl’s credit card, consider calling the number on the back of the card and negotiating your credit card interest rate. You may be able to get a lower interest rate if your credit score has improved or if you’re facing unexpected difficulties (like job loss or divorce).

Freeze your card

You may want to cancel your card to resist the temptation of overspending on credit. If you’ve been purchasing past your limit, putting your card away for a while is a great idea. However, you may want to freeze your card rather than close your Kohl’s account entirely.

Freezing, or locking, your Kohl’s credit card renders the card unusable until you choose to unfreeze it. There are no charges or penalties for freezing a Kohl’s credit card.