Where to pay your NY and Company credit card bill
You can pay your NY and Company credit card through three main routes: online through the cardholder portal, by phone with a customer service representative, or by mail. The online portal is the fastest and most direct — you log in, enter your payment amount, and the transaction processes when ready. Phone payments take a few minutes longer but work if you prefer speaking to someone. Mail payments take 7 to 10 business days to reach the payment processing center, so send them well before your due date to avoid late fees.
Your due date appears on your monthly statement and in your online account. The statement also lists the mailing address for checks or money orders. If you have not received a statement or do not know your due date, you can find both by logging into your account online or calling the customer service number on the back of your card.
Key Takeaways
- Online payment through the cardholder portal is the fastest method and shows as posted to your account within one business day.
- Phone payments require your card number, account number, or Social Security number and process during business hours.
- Mail payments must be sent 7 to 10 business days before your due date to arrive on time and avoid late fees.
- Your due date and payment address are listed on your monthly statement and visible in your online account.
- Late payments trigger a fee and may increase your interest rate, so confirm your payment posted before the due date passes.
Paying online through your account
Go to the NY and Company credit card website or log into your account through the main NY and Company website. You will need your card number and the password you created when you set up your online account. If you have not created an account yet, you can do so by entering your card number, Social Security number, and date of birth.
Once logged in, look for a "Make a Payment" or "Pay Bill" button — the exact wording varies depending on when your account was created. Click it and enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Review the amount and due date shown on the screen, then confirm the payment. The system will show you a confirmation number when ready. Your payment posts to your account within one business day.
If you set up online banking through your own bank, you may also be able to pay through your bank's bill pay system by entering NY and Company as a payee. This method works the same way but routes through your bank instead of the credit card company's website.
Paying by phone
Call the customer service number on the back of your credit card. A representative will ask you to verify your identity using your card number, account number, or Social Security number. Have your statement or account information in front of you so you can answer questions about your account quickly.
Tell the representative the amount you want to pay. They will confirm the payment amount, your due date, and the date the payment will post. Phone payments process during business hours — typically 8 a.m. to 9 p.m. Eastern time, Monday through Friday, and limited hours on weekends. If you call outside business hours, your payment will be queued and processed the next business day.
Ask the representative for a confirmation number before you hang up. Write it down in case you need to reference the payment later. The payment posts within one business day, just like online payments.
Paying by mail
Write a check or money order for the amount you owe. Do not send cash. On the check or money order, write your account number in the memo line so the payment processing center can match it to your account. Include your statement or a note with your name, address, and account number in the envelope.
Mail your payment to the address listed on your statement under "Payment Address" or "Send Payments To." Use a standard envelope with first-class postage. Mail typically takes 3 to 5 business days to arrive, but can take longer during holidays or if your local post office is slow. To be safe, mail your payment at least 7 to 10 business days before your due date.
Do not rely on the postmark date as proof of timely payment. The credit card company records the date the payment arrives at their processing center, not the date you mailed it. If your payment arrives after the due date, you will be charged a late fee even if you mailed it on time.
Setting up automatic payments
Most cardholders can set up automatic payments through their online account to avoid missing a due date. Log into your account, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank account information. You will choose whether to pay your full balance, your minimum payment, or a fixed amount each month.
Select the date you want the payment to come out each month — ideally a few days before your due date to give the payment time to post. Once you confirm, the payment will process automatically on that date each month until you cancel it. You can change the payment amount or cancel automatic payments at any time through your online account.
Automatic payments are a safety net if you are worried about forgetting a due date, but you should still check your statement each month to make sure the payment went through and your balance is correct.
What to do if your payment does not post
If you made a payment and it does not appear in your account within one business day, log back into your account and look for a pending or processing status. Online and phone payments usually show as pending when ready and move to posted within 24 hours. If it still shows pending after two business days, contact customer service.
For mail payments, call customer service if your payment does not post within 10 business days of when you mailed it. Have your check number or money order number ready. The representative can search for your payment and tell you whether it arrived at the processing center. If it is lost in the mail, you may need to stop payment on the original check and send a replacement.
If a late fee was charged because your payment arrived after the due date, ask the representative whether it can be waived. Many companies will remove one late fee if you have a good payment history, but this is not may provide.
Understanding your statement and due date
Your monthly statement shows your opening balance, all charges and credits from the past month, your new balance, your minimum payment, and your due date. The due date is the last day you can pay without triggering a late fee. Payments posted on the due date itself are considered on time.
Your statement also shows your interest rate (called APR, or annual percentage rate) and how much interest you were charged that month. If you carry a balance from month to month, interest accrues daily. Paying your full balance by the due date stops interest from building up.
Statements are mailed about 21 days before the due date, giving you time to pay. You can also view your statement online anytime by logging into your account. If you have not received a paper statement and want one, you can request it through your online account or by calling customer service.
Frequently Asked Questions
Can I pay my NY and Company credit card with a debit card?
No. You cannot pay a credit card with another credit or debit card through the official payment system. You can only pay from a bank account (checking or savings), by check or money order, or by phone with a representative who will take your bank account information. If you try to pay with a debit card online, the system will reject it.
What happens if I miss my due date?
A late fee is charged to your account, usually $25 to $35 depending on your card terms. Your interest rate may also increase. Late payments stay on your credit report for seven years and can lower your credit score. If you miss a payment, pay as soon as you realize it — the sooner you pay, the less additional interest you will owe.
Can I pay more than my balance?
Yes. You can pay any amount up to and beyond your current balance. If you overpay, the extra amount becomes a credit on your account that you can use toward future purchases. Some cardholders request a refund of a credit balance, which the company will mail to you.
Is there a fee for paying online or by phone?
No. NY and Company does not charge a fee for online or phone payments made directly through their system. Some third-party payment services may charge a fee, but the official payment methods are free.
How do I know if my payment was received?
For online and phone payments, you receive a confirmation number when ready. For mail payments, wait 10 business days and check your online account to see if the payment posted. If you do not see it, call customer service with your check or money order number and they can confirm whether it arrived.