Where to send your NY & Company credit card payment
NY & Company credit card payments go to Synchrony Bank, the financial institution that issues the card. You can pay by mail, phone, or online through your Synchrony account — there is no separate NY & Company payment portal. The mailing address and phone number appear on your monthly statement.
If you have the card but have not yet set up online access, you will need your card number and the last four digits of your Social Security number to register at Synchrony's website. Once registered, you can view your balance, set up automatic payments, and make one-time payments when ready.
Key Takeaways
- Synchrony Bank processes all NY & Company credit card payments, not NY & Company itself.
- You can pay online through your Synchrony account, by phone at the number on your statement, or by mailing a check to the address listed on your bill.
- Online and phone payments typically post within one business day, while mailed payments take five to seven business days.
- Setting up automatic payments through Synchrony ensures your payment arrives by the due date and helps you avoid late fees.
Paying online through your Synchrony account
Log in to your Synchrony account on the Synchrony website or through the Synchrony mobile app. Once logged in, select "Make a Payment" and choose whether you want to pay the full balance, the minimum payment, or a custom amount. You will then enter your bank account information for the transfer.
Synchrony offers two payment speeds: standard payments, which post in one to two business days, and expedited payments, which post the same day if submitted before 8 p.m. Eastern Time. Standard payments are free; expedited payments typically cost $15. For most situations, standard payment timing is sufficient to meet your due date.
Paying by phone
Call the customer service number on the back of your NY & Company credit card or on your monthly statement. A representative will ask for your card number and the amount you want to pay, then guide you through providing your bank account details. Phone payments are free and post within one business day.
Synchrony's phone line is available seven days a week. Have your statement or card number ready when you call, along with your checking or savings account information if you plan to pay from a bank account.
Paying by mail
Write a check or money order payable to Synchrony Bank and mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Include your account number on the check. Mailed payments typically take five to seven business days to post, so send your payment at least ten days before your due date to avoid a late payment.
Do not send cash by mail. If you are paying from outside the United States, confirm with Synchrony that they will accept international checks before sending one.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account, go to "Manage Automatic Payments," and choose the amount you want to pay each month — the minimum, the full statement balance, or a fixed amount. Select your payment date and the bank account to draw from.
You can set up automatic payments to occur on any date between the 1st and the 28th of each month. If you choose a date after your statement due date, make sure your automatic payment amount covers at least the minimum due, or you will still incur a late fee. You can change or cancel automatic payments at any time through your account.
What happens if you miss a payment
If your payment does not post by the due date shown on your statement, Synchrony will charge a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment. A payment is considered late if it posts after 5 p.m. Eastern Time on the due date.
A late payment also appears on your credit report and may increase your interest rate. If you miss a payment, contact Synchrony as soon as possible. Some cardholders have had late fees waived if they call within a few days and have a history of on-time payments, though this is not may provide.
Timing and posting dates
The time it takes for your payment to post depends on the method you choose. Online and phone payments made before 8 p.m. Eastern Time typically post the next business day. Mailed payments take five to seven business days. Expedited online payments post the same day if submitted before 8 p.m. Eastern Time.
Your due date is set by Synchrony and appears on your statement. Payments must post by 5 p.m. Eastern Time on that date to be considered on time. If your due date falls on a weekend or holiday, Synchrony extends the important date to the next business day.
Frequently Asked Questions
Can I pay my NY & Company credit card at a store?
No. NY & Company stores do not accept credit card payments. You must pay through Synchrony Bank by mail, phone, or online. Some retailers allow in-store payments for their branded cards, but NY & Company is not one of them.
What if I pay more than I owe?
The overpayment becomes a credit on your account. You can use it toward your next purchase or request a refund from Synchrony. To request a refund, contact Synchrony customer service with your account number.
Is there a fee to pay my bill?
Standard online and phone payments are free. Mailed payments are free. Expedited same-day online payments cost $15. There is no charge to set up or use automatic payments.
What if my payment was rejected?
Payments are usually rejected because of insufficient funds in your bank account, an incorrect account number, or a closed account. Synchrony will notify you of the rejection. Contact your bank to confirm your account information is correct, then try paying again through Synchrony.
Can I change my due date?
Synchrony allows you to request a due date change once per year. Log into your account or call customer service to see if you are within your annual change window. The new due date typically takes effect on your next statement.