Last Updated on July 30, 2025 by Amrita Das
Closing a Kohl’s credit card may seem straightforward, but there are important steps to follow and considerations to keep in mind. Whether you’re looking to simplify your finances, avoid annual fees, or no longer shop at Kohl’s regularly, this guide will walk you through the entire process of canceling your Kohl’s credit card account.
Before making the final decision to close your account, it’s essential to understand both the process and the potential impact on your credit score. This comprehensive guide covers everything you need to know about closing your Kohl’s credit card, from the initial phone call to post-cancellation considerations.
Before You Cancel: Important Considerations
Check Your Account Balance
Before initiating the cancellation process, ensure your Kohl’s credit card has a zero balance. If you have an outstanding balance, you’ll still be required to make minimum monthly payments until the debt is fully paid off, even after the account is closed.
Log into your Capital One account online or check your most recent statement to verify your current balance.
Review Your Credit Utilization
Closing a credit card can impact your credit utilization ratio, which accounts for 30% of your credit score. If your Kohl’s card has a significant credit limit, closing it could increase your overall utilization percentage across your remaining cards.
Consider how this change might affect your credit score before proceeding.
Consider the Age of Your Account
Credit history length makes up 15% of your credit score calculation. If your Kohl’s credit card is one of your older accounts, closing it could potentially lower your average account age over time, which may negatively impact your credit score.
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How To Close Kohls Credit Card?
Method 1: Cancel by Phone
The most direct way to cancel your Kohl’s credit card is by calling customer service. Here’s the step-by-step process:
Step 1: Locate the Customer Service Number
Find the customer service phone number on the back of your Kohl’s credit card. This ensures you’re calling the official number associated with your specific account.
Step 2: Gather Required Information
Before calling, have the following information ready:
- Your account number
- Social Security number
- Personal identification information
- Reason for cancellation (optional, but they may ask)
Step 3: Call and Navigate the System
When you call, you’ll need to enter your account number and Social Security number to verify your identity. Follow the automated prompts to speak with a customer service representative.
Step 4: Request Account Closure
Clearly state that you want to close your Kohl’s credit card account. The representative will likely ask for your reason and may offer retention bonuses or incentives to keep the account open.
You can decline these offers if you’re determined to close the account.
Step 5: Confirm the Closure
Ask the representative to confirm that your account will be closed and request a confirmation number or reference number for your records.
Method 2: Cancel Online
While less common, you may be able to initiate the cancellation process through Capital One’s website or mobile app:
Step 1: Log Into Your Account
Access your Kohl’s credit card account through the Capital One website or mobile app using your login credentials.
Step 2: Contact Customer Service
Look for a “Contact Us” or “I want to…” section where you can initiate a live chat with a customer service representative.
Step 3: Request Cancellation
Through the chat feature, clearly state that you want to cancel your Kohl’s credit card account. The online representative will guide you through the same process as a phone representative.
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What to Expect During the Cancellation Process
Retention Offers
Don’t be surprised if the customer service representative offers incentives to keep your account open. These might include:
- Temporary interest rate reductions
- Waived annual fees
- Bonus rewards points
- Special promotional offers
Remember, you’re under no obligation to accept these offers if you’ve decided to close the account.
Account Closure Timeline
Your Kohl’s credit card account should be closed immediately upon your request. However, it may take one to two billing cycles for the closure to appear on your credit report.
Final Statement
You’ll receive a final statement showing a zero balance and confirming the account closure. Keep this statement for your records.
How Do I Remove A Card From Kohl’s App?
Quick Steps to Remove a Payment Card
Step 1: Open the Kohl’s App
Launch the Kohl’s mobile app on your smartphone or tablet. Make sure you’re signed into your Kohl’s account to access your wallet features.
Step 2: Navigate to Your Wallet
Look for the “Wallet” section within the app. This is where all your payment methods, gift cards, coupons, and Kohl’s Cash are stored in one convenient location.
Step 3: Select the Card to Remove
Browse through your saved payment methods and tap on the specific card you want to delete from your account.
Step 4: Find the Delete Option
Look for a delete button, trash can icon, or similar removal option. This is typically located near the card details or in a menu associated with that specific payment method.
Step 5: Confirm the Removal
The app will prompt you to confirm that you want to remove the selected card. Tap “Delete” or “Confirm” to complete the process.
How to Attempt Reopening Your Kohl’s Credit Card
The Kohl’s Credit Card is issued by Capital One, so you’ll need to contact them directly to request account reopening. Here’s how to approach the process:
Contact Capital One Customer Service
Call Capital One’s customer service line at 1 (800) 564-5740 to speak with a representative about reopening your closed Kohl’s Credit Card account.
In this case, be prepared to provide your personal information, including your Social Security number and details of your previous accounts.
Be Ready to Explain Your Situation
When you call, the representative will likely ask why your account was closed and why you want to reopen it.
Be honest about the circumstances and explain how your situation has improved if the closure was due to payment issues or other financial difficulties.
Provide Updated Financial Information
If your financial situation has changed since the account closure, be prepared to discuss your current income, employment status, and overall creditworthiness. This information can help support your request for reopening.
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FAQs:
Can I close my Kohl’s credit card if I just received a new one?
Yes, you can close your account even if you received a replacement card and haven’t activated it. Simply call customer service and request account closure. You don’t need to activate the new card before closing the account.
Will closing my Kohl’s credit card hurt my credit score?
Closing your Kohl’s credit card may temporarily impact your credit score, particularly if it has a high credit limit or is one of your older accounts. The impact depends on your overall credit profile and utilization across other cards.
What happens if I have a balance when I close the account?
You can still close the account with an outstanding balance, but you’ll need to continue making minimum payments until the balance is paid in full. The account will be closed to new purchases but remain active for payment purposes.
How long does it take for the account closure to appear on my credit report?
Account closures typically appear on your credit report within one to two billing cycles, or about 30-60 days after closure.
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How To Close Kohls Credit Card? Conclusion
Closing your Kohl’s credit card is a straightforward process that requires a simple phone call or online request. However, the decision to close any credit card should be made carefully, considering your overall financial situation and credit goals.
If you’ve decided that closing your Kohl’s credit card aligns with your financial strategy, follow the steps outlined in this guide to ensure a smooth cancellation process.
Remember to pay off any remaining balance, update your automatic payments, and monitor your credit report to confirm the closure.
Whether you’re simplifying your wallet or optimizing your credit portfolio, taking control of your credit accounts is a crucial step toward better financial health. Make sure to weigh all options and consider the long-term impact on your credit score before making your final decision.
