Pay your Ann Taylor card online, by phone, or by mail
You can pay your Ann Taylor credit card through the card issuer's website or app, by phone, or by mailing a check. The payment method you choose depends on how quickly you need the payment to post and whether you prefer to set it up once or manage it each month. Most cardholders pay online because it is fastest and you can see your balance update within one to two business days.
Your Ann Taylor card is issued by a bank — usually Comenity Capital Bank or Synchrony Bank, depending on when you opened the account. You do not pay Ann Taylor directly. Instead, you log into the card issuer's portal or call their customer service line to make a payment.
Key Takeaways
- Ann Taylor cards are issued by Comenity Capital Bank or Synchrony Bank, and you pay through the bank's website or app, not through Ann Taylor.
- Online payments typically post within one to two business days and let you pay any amount from the minimum to your full balance.
- Phone payments are processed the same day you call, but you will need your card number and bank account or debit card information ready.
- Mail payments take seven to ten business days to arrive and post, so send them at least two weeks before your due date to avoid a late fee.
- Setting up automatic payments from your bank account ensures you never miss a due date, though you should still check your statement monthly.
Find your card issuer and log in to their portal
The first step is knowing which bank issued your card. Look at your monthly statement or the back of your card — it will show either Comenity Capital Bank or Synchrony Bank. Each bank has its own payment portal and phone number.
If your card was issued by Comenity Capital Bank, go to comenity.com and select "Log In" at the top right. Enter your card number and PIN (or create an account if this is your first time). Once logged in, you will see your balance, due date, and a "Make a Payment" button.
If your card was issued by Synchrony Bank, go to mysynchrony.com and log in with your username and password. If you do not have an account, select "Register" and follow the prompts. You will need your card number and Social Security number to set up your account.
Once you are logged in, your dashboard shows your current balance, minimum payment due, and due date. The payment section lets you choose how much to pay and when the payment should be made.
Pay online through the card issuer's website or app
Online payment is the fastest way to pay and works from any device with internet access. After you log in, look for a button labeled "Make a Payment," "Pay Now," or "Payments" — the exact wording varies by issuer.
Select the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Enter the date you want the payment to be made — if you choose today, it will post within one to two business days. If you choose a future date, the payment will be scheduled for that day.
Choose your payment method. Most cardholders pay from a checking or savings account by providing their routing number and account number. You can also pay with a debit card if you have one. Review the details and confirm the payment. You will receive a confirmation number when ready — save this for your records.
The payment will show as "pending" in your account for one to two business days, then post as complete. Your available credit will update once the payment posts.
Pay by phone if you need the payment processed the same day
Calling the card issuer's customer service line lets you make a payment over the phone and have it processed when ready. Have your card number, routing number, and bank account number (or debit card number) ready before you call.
For Comenity Capital Bank, call 1-866-639-6635. For Synchrony Bank, call 1-800-520-4800. A representative will verify your identity, ask how much you want to pay, and confirm the payment method and date. The payment will be processed the same day you call.
Phone payments are useful if you are close to your due date and want to avoid a late fee, or if you prefer speaking to someone rather than navigating a website. The downside is that you have to call during business hours and wait on hold.
Mail a check if you prefer not to pay online or by phone
You can mail a check to the address shown on your monthly statement. Write your card number on the check and include the payment stub from your statement if one was provided. Mail the check at least two weeks before your due date to account for postal delivery time.
Mailed payments typically take seven to ten business days to arrive and post to your account. If you mail a payment and then make another payment online before the check arrives, you may overpay — the issuer will credit the overage to your account or send you a refund, but this takes extra time.
The mailing address is printed on your statement. If you cannot find it, log into your account online and look for a "Pay by Mail" or "Mailing Address" section, or call customer service to confirm the correct address.
Set up automatic payments to avoid missing your due date
Both Comenity and Synchrony let you set up automatic payments that deduct money from your bank account on a date you choose each month. This is the most reliable way to may support you never pay late, as long as you have enough money in your account on the payment date.
Log into your account online and look for "Automatic Payments," "Recurring Payments," or "AutoPay." Select the amount — you can choose to pay your full balance, your minimum payment, or a fixed dollar amount. Choose the date each month when the payment should be made (for example, the 15th of every month). Confirm the bank account or debit card you want the payment to come from.
Once automatic payments are set up, the payment will be deducted on that date every month without you having to do anything. You should still check your monthly statement to make sure the payment went through and your balance is correct.
You can change or cancel automatic payments at any time by logging into your account and editing the payment settings. If you need to stop a payment before it processes, call customer service as soon as possible — they may be able to cancel it if you call before the payment is sent to the bank.
Understand what happens if you miss your due date
If your payment does not post by the due date shown on your statement, the issuer will charge a late fee. Late fees vary but typically range from $25 to $40 for the first late payment. If you pay late again within six months, the fee may be higher.
A late payment also affects your credit score and will appear on your credit report. Even one late payment can lower your score by 50 to 100 points, depending on your overall credit history. The late payment will stay on your report for seven years.
If you miss a payment, contact the issuer as soon as possible. Some issuers will waive the late fee if you call and explain the situation, especially if it is your first late payment. Paying the full balance when ready will stop additional fees from accumulating.
Frequently Asked Questions
How long does it take for an online payment to post?
Online payments typically post within one to two business days. If you make a payment on a Friday evening, it may not post until Tuesday. If you are close to your due date, call customer service or pay by phone to may support the payment posts on time.
Can I pay my Ann Taylor card with a credit card?
No. You cannot pay a credit card with another credit card. You can only pay with a bank account (checking or savings) or a debit card. Paying with a debit card is treated the same as paying from a bank account.
What if I want to pay more than my balance?
You can pay more than your current balance. The extra amount will show as a credit on your account and will be applied to future purchases. You can also request a refund of the credit by calling customer service.
Do I need to create an account to pay online?
Yes. Both Comenity and Synchrony require you to create an online account before you can pay through their websites. You will need your card number and other identifying information. Creating an account takes about five minutes and you only have to do it once.
Can I pay my Ann Taylor card through the Ann Taylor website?
No. Ann Taylor does not process card payments. You must pay through the card issuer's website (Comenity or Synchrony) or by calling their customer service line. Ann Taylor has no access to your payment account.