Where to send your New York & Company credit card payment
New York & Company credit card payments go to Synchrony Bank, the company that issues and manages the card on behalf of New York & Company. You can pay online through your Synchrony account, by phone, by mail, or in person at a New York & Company store. The fastest and most direct route is the online payment portal, which processes payments the same day if submitted before the cutoff time (usually early afternoon Eastern time).
If you prefer not to set up an online account, you can call Synchrony's customer service line to make a payment by phone using a debit card, bank account, or another credit card. The phone number appears on your monthly statement and on the back of your physical card. Mail payments take 7 to 10 business days to reach the payment processing center, so plan ahead if you choose this method.
Key Takeaways
- Synchrony Bank processes all New York & Company credit card payments, not New York & Company itself.
- Online payment through your Synchrony account is the fastest method and typically posts the same day.
- Phone payments are available 24/7 by calling the number on your statement or card.
- Mail payments require 7 to 10 business days, so send them well before your due date to avoid late fees.
- In-store payments at New York & Company locations are available but may not post as quickly as online or phone payments.
Setting up online payments through Synchrony
To pay online, visit Synchrony's website or read the Synchrony mobile app. You will need your card number and the last four digits of your Social Security number to log in or create an account. Once logged in, you can view your current balance, due date, and transaction history, then schedule a one-time payment or set up automatic payments.
Automatic payments are useful if you want to avoid missing a due date. You can choose to pay your full statement balance, a fixed amount, or just the minimum payment each month. Synchrony will deduct the payment from your linked bank account on the date you select. If you change your mind, you can cancel or modify automatic payments through your account at any time before the scheduled payment date.
Phone and mail payment options
To pay by phone, call the customer service number on your statement or card. A representative will ask for your card number, the amount you want to pay, and your payment method (debit card, bank account, or another credit card). The payment is processed when ready, though it may take one business day to appear in your account. Phone payments are available seven days a week, 24 hours a day.
For mail payments, write a check or money order payable to Synchrony Bank and include your account number on the check. Mail your payment to the address shown on your statement under "Payment Address" — this address changes depending on which payment center processes your account, so always use the address on your most recent bill. Include your statement or a copy of it in the envelope so the payment is credited to the correct account. Mail payments typically post within 7 to 10 business days of arrival.
In-store payments at New York & Company locations
Some New York & Company stores accept credit card payments at the register, though not all locations offer this service. Call your local store to confirm whether they accept payments before you visit. In-store payments are usually processed through the same Synchrony system but may take longer to post to your account than online or phone payments.
In-store payments are most useful if you are already shopping and want to make a quick payment in person. However, they are not the fastest or most reliable method for time-sensitive payments. If your due date is within a few days, use online or phone payment instead to may support your payment posts on time.
Understanding your payment due date and late fees
Your payment due date appears on your monthly statement and in your online account. Payments must be received by 5 p.m. Eastern time on the due date to avoid a late fee. If you pay online, the payment posts the same day if submitted before the cutoff time. If you pay by phone, the payment is processed when ready. If you mail a check, it must arrive by the due date, which means you should mail it at least 10 days in advance.
Late fees typically range from $25 to $40 depending on how late your payment is and your account history. A late payment also appears on your credit report and can lower your credit score. If you miss a payment, contact Synchrony as soon as possible — some late fees can be waived if you have a good payment history and contact them before the fee is applied.
What to do if you cannot pay your full balance
If you cannot pay your full statement balance by the due date, you can pay the minimum amount due to avoid a late fee. The minimum payment appears on your statement and is usually 1 to 3 percent of your balance. However, paying only the minimum means you will pay interest on the remaining balance at the card's current APR, which typically ranges from 18 to 27 percent depending on your creditworthiness.
If you are struggling with your balance, contact Synchrony to discuss your options. Some cardholders are able to negotiate a hardship plan that lowers the interest rate or extends the payment timeline. Synchrony may also offer a balance transfer option if you have another credit card with a lower rate. These options are not may provide, but it is worth asking about if you are having difficulty managing your debt.
Frequently Asked Questions
Can I pay my New York & Company credit card at a store?
Some stores accept payments at the register, but not all locations offer this service. Call your local store to ask. In-store payments may take longer to post than online or phone payments, so use this method only if you are already shopping and have time before your due date.
What happens if my payment is late?
A late fee of $25 to $40 is added to your account, and the late payment is reported to credit bureaus, which can lower your credit score. Contact Synchrony when ready if you miss a payment — some fees can be waived if you have a good history and call before the fee is applied.
How long does it take for a payment to show up in my account?
Online and phone payments post the same day or within one business day. Mail payments take 7 to 10 business days. Always allow extra time for mail payments and send them at least 10 days before your due date to avoid late fees.
Can I set up automatic payments so I never miss a due date?
Yes. Log into your Synchrony account online or through the app and select automatic payments. You can choose to pay your full balance, a fixed amount, or the minimum payment each month. You can cancel or change automatic payments anytime before the scheduled payment date.
What if I want to dispute a charge on my New York & Company card?
Contact Synchrony's customer service line to report a disputed charge. You will need to provide details about the transaction and explain why you believe it is incorrect. Synchrony will investigate and may issue a temporary credit while the dispute is being reviewed, which typically takes 30 to 60 days.