Where to send your New York and Company credit card payment
New York and Company credit card payments go to Synchrony Bank, the company that issues and manages the card on behalf of New York and Company. You can pay online through your Synchrony account, by phone, by mail, or in person at a New York and Company store. The fastest and most direct route is the Synchrony website or mobile app, where you can see your balance and make a payment when ready without waiting for mail delivery or phone hold times.
If you prefer to pay by mail, send your check or money order to the address printed on your monthly statement — this address changes based on which Synchrony processing center handles your account, so always use the one on your bill rather than a general corporate address. Mail payments typically take five to seven business days to post to your account after Synchrony receives them.
Key Takeaways
- Synchrony Bank processes New York and Company credit card payments, not New York and Company itself, so you pay Synchrony directly.
- Online payment through Synchrony's website or app posts the same day or next business day and is the fastest way to avoid late fees.
- Phone payments to Synchrony are available 24/7 at the number on the back of your card, and you can pay with a bank account or another card.
- Mail payments require five to seven business days to post, so send them at least a week before your due date to avoid a late payment.
- In-store payments at New York and Company locations are available but take longer to reach your account than online or phone payments.
Paying online through Synchrony
Log into your Synchrony account at Synchrony.com or through the Synchrony mobile app. Click "Make a Payment" and enter the amount you want to pay. You can pay from a checking or savings account (which takes one to two business days) or use a debit card for when ready posting. Synchrony does not charge a fee for online payments from a bank account, but paying with a debit card may incur a small fee depending on your card issuer.
If you do not have a Synchrony account set up yet, you can create one using your card number and Social Security number. Once your account is active, you can set up automatic payments on a date you choose each month, which removes the need to remember your due date. You can also view your statement, see your available credit, and check your payment history through the same account.
Paying by phone or automatic payment
Call the number on the back of your New York and Company credit card to reach Synchrony's payment line. You can pay 24 hours a day, seven days a week. Have your bank account information or another card ready. Phone payments from a bank account post within one to two business days; payments from another card post when ready but may carry a fee.
To set up automatic payments by phone, tell the representative the amount and the date each month you want the payment to come out. You can choose to pay your full statement balance, a fixed amount, or your minimum payment. Automatic payments reduce the risk of missing a due date, but check your account monthly to make sure the payment went through and your balance is what you expected.
Paying by mail
Write a check or money order for the amount you owe and include your account number on the front. Mail it to the address shown on your statement under "Payment Address" — do not use a general New York and Company mailing address. Include your statement or a copy of it in the envelope so Synchrony can match the payment to your account quickly.
Mail payments take five to seven business days after Synchrony receives them to post to your account. If your due date is coming up, mail your payment at least ten days in advance to avoid a late fee. Keep a record of the check number and mailing date in case you need to track the payment later.
Paying in person at a New York and Company store
You can make a payment at the register of any New York and Company store location. Bring your credit card and let the cashier know you want to make a payment rather than a purchase. They will process the payment and give you a receipt. In-store payments are convenient if you are already shopping, but they take longer to reach your Synchrony account than online or phone payments — typically three to five business days.
In-store payments work best for amounts you want to pay when ready but do not work well for last-minute payments close to your due date. If your due date is within three days, use online payment or call Synchrony directly to may support the payment posts on time.
What to do if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount of the fee depends on your account terms, but it typically ranges from $25 to $40 for the first late payment. A late payment also appears on your credit report and may increase your interest rate on future purchases.
If you realize you will miss your due date, contact Synchrony as soon as possible. Explain your situation and ask whether they can waive the late fee or work out a payment plan. Some cardholders have had late fees removed if they have a good payment history and contact the bank before the payment is due. Even if they cannot remove the fee, paying as soon as you can limits the damage to your credit score.
Frequently Asked Questions
Can I pay my New York and Company credit card at the store with cash?
Most New York and Company locations accept cash payments at the register, but policies vary by store. Call your local store before visiting to confirm they take cash payments. Even if they do, the payment may take several business days to post to your Synchrony account, so plan ahead if your due date is soon.
What is the due date for my New York and Company credit card?
Your due date is printed on your monthly statement and is usually the same date each month. Log into your Synchrony account to see your exact due date and how many days remain before payment is due. If you miss the due date, a late fee applies when ready.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full statement balance whenever you want. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There is no penalty for paying early or paying more than required.
Does Synchrony charge a fee for online payments?
Synchrony does not charge a fee when you pay from a checking or savings account online. If you pay with a debit card, your card issuer may charge a cash advance or transaction fee. Always check with your bank before using a debit card to pay.
How long does it take for an online payment to show up?
Payments from a bank account typically post within one to two business days. Debit card payments usually post the same day or next business day. Once the payment posts, your available credit increases and your balance decreases.