Pay your New York & Company card online, by phone, or by mail
New York & Company credit card payments go to Comenity Bank, the company that issues and manages the card. You can pay your bill through the cardholder portal, by calling the customer service number on the back of your card, by mailing a check, or by setting up automatic payments. The fastest route is the online portal, which processes payments the same business day if you submit before the cutoff time — usually 8 p.m. Eastern.
Your payment due date appears on your monthly statement and typically falls 21 to 25 days after your statement closes. Paying by the due date avoids late fees and keeps your account in good standing. If you miss the due date, a late fee applies and the incident may be reported to credit bureaus.
Key Takeaways
- Log into your New York & Company credit card account on the Comenity Bank website or mobile app to pay online in minutes.
- Call the customer service number on your card's back to make a payment over the phone without creating an online account.
- Mail a check to the address shown on your statement, but allow 7 to 10 business days for the payment to post.
- Set up automatic payments through the online portal to have your full balance or a fixed amount withdrawn on your due date each month.
- Payments submitted online before 8 p.m. Eastern typically post the same business day.
Pay online through the Comenity Bank portal
The online portal is the most direct way to pay. Go to the Comenity Bank website (comenity.com) and select "New York & Company" from the list of card issuers. If you do not have an online account, you will need to register using your card number, Social Security number, and date of birth. Once registered, log in and select "Make a Payment" from the menu.
Choose the amount you want to pay — you can pay the full statement balance, the minimum payment, or a custom amount. Enter your payment method (bank account or debit card), review the details, and submit. The system will show you a confirmation number and the expected posting date. Keep this confirmation for your records.
If you prefer to use the mobile app, read the Comenity app from your phone's app store, log in with the same credentials, and follow the same steps. Mobile payments work the same way as the website and post on the same timeline.
Pay by phone with a customer service representative
Call the number on the back of your New York & Company credit card to reach Comenity's customer service team. Have your card number and bank account information ready. A representative will confirm your identity, ask how much you want to pay, and process the payment over the phone.
Phone payments typically post within one business day. The representative will give you a confirmation number — write it down or ask them to email it to you. This method works if you do not have internet access or prefer speaking to a person, but it takes longer than paying online.
Mail a check to the payment processing center
Your monthly statement includes a mailing address for check payments. Write your account number on the check, place it in the envelope provided with your statement (or use a standard envelope), and mail it to the address listed. Do not mail cash.
Check payments take 7 to 10 business days to arrive and post to your account. If your payment due date is fewer than 10 days away, mailing a check risks a late payment. Use this method only if you have time before your due date or if you are paying ahead of schedule.
Set up automatic payments to pay on schedule
Automatic payments remove the risk of forgetting your due date. Log into your online account, go to "Manage Automatic Payments" or "Autopay Settings," and choose whether to pay your full statement balance, a fixed dollar amount, or the minimum payment each month. Select the date you want the payment to come out — most cardholders choose their due date.
Automatic payments withdraw from your bank account on the date you select. If you do not have enough money in your account on that date, the payment will fail and you may incur a late fee. Review your account balance before the payment date to make sure funds are available. You can pause or cancel automatic payments at any time through your online account.
What to do if your payment does not post
If you submitted a payment online or by phone and it does not show up within one business day, log back into your account and check the payment status. The portal will show whether the payment is pending, posted, or failed. If it failed, the reason will appear on screen — usually insufficient funds or an incorrect bank account number.
If a check payment does not post within 12 business days of mailing, call customer service with your check number and the date you mailed it. They can trace the payment and confirm whether it arrived. If the check was lost in the mail, you may need to stop payment on the original check and submit a new one or pay by another method.
Late payments and what happens next
A payment is late if it arrives after your due date. Comenity charges a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. A second late payment within six months may result in a higher fee.
Late payments are reported to credit bureaus and can lower your credit score. If your payment is more than 30 days late, your interest rate may increase. If you know you will miss your due date, call customer service before the date arrives to discuss options — some representatives can waive a single late fee if you have a good payment history.
Frequently Asked Questions
Can I pay my New York & Company card at a store?
No. New York & Company stores do not accept credit card payments in person. You must pay through the online portal, by phone, by mail, or through automatic payments.
What time does the online payment cutoff happen?
Payments submitted before 8 p.m. Eastern typically post the same business day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount from the minimum payment up to your full balance. Paying only the minimum keeps your account current but leaves a balance that accrues interest. Paying more than the minimum reduces the interest you owe.
What if I want to change my automatic payment amount or date?
Log into your online account, go to "Manage Automatic Payments," and edit the amount or date. Changes take effect on your next scheduled payment. You can also cancel automatic payments and set up a new schedule at any time.
Is there a fee to pay my bill online or by phone?
No. Comenity does not charge a fee for online or phone payments. Mailing a check costs only the price of postage.