Cato Corporation Headquarters & Corporate Office

About The Cato Corporation

The Cato Corporation is a publicly traded American specialty fashion retailer headquartered in Charlotte, North Carolina. The company traces its history to 1946 and has developed a value-focused retail business centered primarily on women’s apparel, footwear, jewelry, handbags, accessories, and fashion merchandise. Rather than operating a single retail concept, Cato manages several brands designed for somewhat different customer groups and shopping occasions.

Today, The Cato Corporation operates three principal retail concepts: Cato, Versona, and It’s Fashion. Cato stores focus mainly on value-priced women’s fashion, including misses, junior, and plus-size apparel, while Versona emphasizes apparel, jewelry, handbags, shoes, and accessories. It’s Fashion offers trend-oriented merchandise for women and, at selected stores, additional family fashion categories. Cato also sells merchandise through CatoFashions.com and selected Versona merchandise through ShopVersona.com.

The company remains publicly traded on the New York Stock Exchange under ticker CATO and continues to be led by John P. D. Cato, Chairman, President and Chief Executive Officer. Cato has recently been reducing its physical-store base as it responds to weaker discretionary consumer spending and evaluates underperforming leases. As of August 1, 2026, the company operated 1,057 stores in 31 states, and in September 2026 it announced that total planned fiscal 2026 closures had increased to approximately 120 stores.

The Cato Corporation Headquarters & Corporate Office Address

Current Headquarters

The Cato Corporation
8100 Denmark Road
Charlotte, NC 28273-5975
United States

This remains Cato’s verified current corporate headquarters and principal executive office. The address appears in the company’s latest SEC filings and 2026 shareholder materials.

Corporate Office

Cato’s corporate office and headquarters are located at the same address

8100 Denmark Road
Charlotte, NC 28273-5975

The location houses corporate leadership and major functions supporting merchandising, finance, real estate, store operations, information technology, distribution, marketing, and administration.

Mailing Address

The Cato Corporation
P.O. Box 34216
Charlotte, NC 28234
United States

The mailing address is published in the company’s current annual report for shareholder and corporate correspondence.

Other Important Address

Investor correspondence requesting printed annual reports can be directed to the Investor Relations Department at the company’s Charlotte mailing address.

For Cato Credit payments

Cedar Hill National Bank
P.O. Box 37902
Charlotte, NC 28237-7902.

Quick Information

Corporate Phone Number

704-554-8510

This is the verified corporate headquarters number published in Cato’s latest SEC filings and annual report.

Customer Service Number

704-554-8510

For store-related Customer Service questions, representatives are currently available Monday through Friday from 8:00 AM to 5:00 PM Eastern Time.

Corporate Office Address

8100 Denmark Road, Charlotte, NC 28273-5975

Headquarters Address

8100 Denmark Road, Charlotte, NC 28273-5975

Email

Online Orders / Website: orders@catocorp.com

Cato uses its online Contact Us form and specialized contacts rather than one universal corporate email for every issue.

Industry

Specialty Fashion Retail, Women’s Apparel, Footwear, Accessories and E-Commerce

Founded

1946

Number of Employees

Approximately 6,700 employees were reported in the company’s latest annual financial data. Because the workforce includes a significant store-level component, staffing can fluctuate with store closings, seasonal hiring, and operational changes.

Number of Stores

1,057 stores in 31 states as of August 1, 2026.

Cato subsequently announced additional planned closures for the second half of fiscal 2026, so the final year-end figure may be lower.

Corporate Office Hours

Cato does not publish general public walk-in headquarters hours. Store-related Customer Service is available Monday through Friday from 8:00 AM to 5:00 PM ET.

Website

https://www.catofashions.com/

Investor Relations / Careers Page

Investor Relations
https://catocorp.gcs-web.com/

Careers
https://www.catofashions.com/careers/

The Cato Corporation Products & Services

Cato Women’s Apparel

Cato stores offer value-priced women’s fashion across multiple age groups and sizes. Merchandise includes dresses, tops, pants, denim, skirts, jackets, sweaters, seasonal collections, and coordinated outfits designed to provide fashion-forward styles at relatively affordable prices.

Plus-Size Fashion

Plus-size apparel is an important component of the Cato retail assortment. Customers can shop dresses, tops, bottoms, denim, casualwear, workwear, and seasonal fashion in extended sizes, allowing the company to serve a broader range of body types within the same value-oriented retail format.

Dresses

Cato sells casual dresses, work-ready styles, special-occasion dresses, maxi dresses, seasonal designs, and other silhouettes. New assortments are introduced throughout the year as fashion trends and customer demand change.

Denim

The company’s denim selection includes jeans in multiple cuts, rises, washes, and sizes. Denim products are complemented by shorts, jackets, skirts, and other pieces that can be coordinated with Cato tops and accessories.

Shoes

Cato stores and the company’s online platform sell women’s footwear, including sandals, boots, flats, heels, sneakers, and seasonal shoes. Shoe availability changes frequently because the business follows a fast-moving fashion merchandising model.

Jewelry

Jewelry includes earrings, necklaces, bracelets, rings, and fashion statement pieces. The category is designed to complement Cato apparel and also provides lower-cost add-on purchases for customers building complete outfits.

Handbags

Cato sells handbags, totes, crossbody bags, clutches, wallets, and other fashion accessories. Products change seasonally and are typically coordinated with the retailer’s current apparel and footwear collections.

Accessories

The accessory assortment can include scarves, belts, sunglasses, hats, hair accessories, and other fashion items. These products help customers complete outfits without needing to shop at a separate accessory retailer.

Versona

Versona is Cato’s fashion and accessory concept offering apparel alongside an extensive selection of jewelry, handbags, footwear, and accessories. The format is positioned as a broader fashion destination and typically operates in lifestyle centers and power-center environments.

It’s Fashion

It’s Fashion focuses on trend-driven merchandise at value prices. The concept offers current styles and, depending on the location, may serve women, juniors, and additional family fashion categories.

Online Shopping

Customers can purchase qualifying Cato merchandise through CatoFashions.com. Online shopping extends the company’s physical retail assortment and provides ordering, delivery, and online Customer Service options.

Cato Credit

Cato offers a proprietary credit program currently serviced through Cedar Hill National Bank. The card can be used at Cato and It’s Fashion stores and at CatoFashions.com, and the current program does not charge an annual fee.

Cato Style Rewards

Eligible Cato Credit customers are automatically enrolled in Cato Style Rewards under the current credit-card program. Rewards and promotional benefits are governed by the applicable program terms.

Layaway

Cato’s corporate investor profile states that the company offers a layaway plan in addition to its proprietary credit card. Availability and specific terms should be confirmed with the store before purchase.

The Cato Corporation Corporate Phone Numbers

Corporate Phone Number

704-554-8510

Corporate Headquarters Number

704-554-8510

Headquarters Number

704-554-8510

Corporate Office Number

704-554-8510

These numbers route to the Charlotte corporate organization.

Customer Service Number

704-554-8510

Use this number for store-related Customer Service matters.

Customer Support Number

For online orders and website questions

1-800-758-2286

Also written as

1-800-758-CATO.

Toll-Free Number

1-800-758-2286

Online Order Number

1-800-758-2286

Current support hours

Monday through Saturday: 8:00 AM to 8:00 PM
Sunday: 12:00 PM to 6:00 PM.

Cato Credit Customer Service Number

1-877-557-3526

This number can be used for balances, available credit, payment information, lost or stolen Cato cards, credit applications, and credit-account questions.

Credit Card Payment Number

1-877-557-3526

Automated payments can also be made through this number.

Investor Relations Number

704-551-7519

Cato publishes this number for Investor Relations and annual-report requests.

Sales Number

Cato does not publish a separate corporate sales department number. Retail sales are handled through physical stores and CatoFashions.com.

Billing Number

For Cato Credit billing

1-877-557-3526

Other purchase-related billing issues should be directed to the store involved or online-order support.

Regional Office Number

No single verified public regional-office number is published.

Branch Office Number

Each Cato, Versona, or It’s Fashion store may have its own local number. Customers should use the applicable store locator.

International Number

Cato’s principal retail business is U.S.-based and the company does not publish a universal international Customer Service line.

Emergency / After-Hours Number

No public corporate emergency or after-hours hotline is listed.

Media / Press Number

A separate permanent public media number is not prominently published. Corporate inquiries can begin through 704-554-8510.

Human Resources Number

Cato does not prominently publish one universal applicant HR line. Employment applications should use the company’s careers resources.

Reservations / Booking Number

Not applicable.

How to Reach a Real Person at The Cato Corporation

For a complaint or question involving a physical Cato store, the best first route is 704-554-8510, which Cato currently designates for store-related Customer Service. If the issue involves an online purchase, delivery, return, website problem, or CatoFashions.com transaction, use 1-800-758-2286 or email orders@catocorp.com. Customers should have the store location or online order number, date of purchase, receipt, item information, and payment method ready before contacting support.

Cato Credit issues should be handled separately through 1-877-557-3526 because Cedar Hill National Bank services the credit program. This is the correct route for account balances, payment questions, credit applications, credit-limit concerns, and lost or stolen cards. For store-level service concerns, customers should speak with the local store manager first and then use corporate Customer Service if the store cannot resolve the matter.

Corporate or investor-related matters can be directed to the Charlotte headquarters at 8100 Denmark Road. Investor Relations is available at 704-551-7519. When escalating a consumer issue to headquarters, it is helpful to provide a concise chronology of the complaint and copies of earlier Customer Service communications.

How to File a Complaint Against The Cato Corporation

Complaints may involve an in-store purchase, online order, refund, return, employee interaction, product quality, delivery, Cato Credit account, billing matter, accessibility issue, or another retail experience. Customers should keep their receipt, order confirmation, store location, transaction date, photographs where relevant, payment documentation, and records of any earlier conversations.

Step 1: Contact Customer Service

Begin with Cato’s Customer Service team. Store-related complaints can be directed to 704-554-8510, while online-order and website complaints can use 1-800-758-2286 or orders@catocorp.com. Explain what happened, provide the transaction details, and clearly state the resolution being requested. Keeping the initial complaint concise and factual gives the company a better opportunity to investigate the transaction.

Step 2: Contact the Relevant Department

If the issue involves Cato Credit, contact 1-877-557-3526 rather than ordinary retail Customer Service because Cedar Hill National Bank services the credit account. Online delivery issues should stay with the e-commerce support team, while store conduct or merchandise problems should be directed to store management. Using the department responsible for the transaction usually results in a faster and more accurate review.

Step 3: Request Supervisor or Management Review

If the initial representative cannot resolve the complaint, request a supervisor, store manager, district-level review, or additional Customer Service escalation. Provide the original complaint details and explain what has already been attempted. If the problem occurred in a store, document the manager’s name and the date of the discussion before asking corporate Customer Service to review it.

Step 4: Use the Company’s Written Complaint Channel

Cato provides an official online Contact Us form that allows customers to identify whether a complaint concerns a specific store and submit written details. Online-order issues can also be documented by emailing orders@catocorp.com. A written channel is particularly useful when photographs, tracking information, receipts, or lengthy transaction histories need to be reviewed.

Step 5: Contact Corporate Headquarters

For an unresolved serious matter, write to The Cato Corporation, 8100 Denmark Road, Charlotte, NC 28273-5975. Include your full contact details, store or order information, transaction dates, previous case history, and the resolution requested. Attach copies rather than originals of receipts and other supporting documentation.

Step 6: Use the Specialized Complaint or Dispute Department

Credit-card complaints should be escalated through Cedar Hill National Bank and Cato Credit Customer Service at 1-877-557-3526. If the complaint concerns an incorrect credit-card charge, payment posting, lost card, available credit, or credit application, the credit-account service team is more appropriate than Cato’s retail Customer Service. Keep statements and payment confirmations available.

Step 7: File With the Appropriate Regulator

The correct regulator depends on the complaint. Consumer-credit issues may fall under applicable federal or state banking and consumer-finance regulators, while employment or accessibility issues may involve different agencies. Retail complaints involving deceptive or unfair business practices may be directed to the consumer-protection authority in the state where the transaction occurred.

Step 8: Use Consumer Protection or Financial Dispute Options

If a merchandise or billing dispute remains unresolved, customers can consider their state Attorney General’s consumer-protection office or dispute an eligible card transaction through the card issuer. Credit-reporting or credit-account complaints may also involve federal consumer-finance dispute processes. Provide complete supporting records rather than relying only on a verbal description of the problem.

Step 9: Consider Formal Legal or Arbitration Procedures

If a substantial dispute cannot be resolved through Customer Service, corporate escalation, or appropriate regulatory channels, review the contract or terms governing the transaction before pursuing formal legal action. Credit-card agreements and online-shopping terms may contain specific dispute procedures. For significant financial losses or legal claims, consulting a qualified attorney can help determine the appropriate court, arbitration, or other formal process.