Where to pay your NY and Company credit card
NY and Company issues its credit card through Synchrony Bank. You can pay your bill online through the Synchrony website, by phone, by mail, or in person at an NY and Company store. The method you choose affects how quickly the payment posts and whether you can set up automatic payments.
Online payment through Synchrony's portal is the fastest route — payments typically post within one business day. Phone payments also post quickly but require you to speak with a representative. Mail and in-store payments take longer and are best used only if you cannot access online or phone options.
Key Takeaways
- You can pay online at Synchrony.com, by phone at the number on your statement, by mail to the address printed on your bill, or at an NY and Company store location.
- Online and phone payments post within one business day, while mail payments typically take five to seven business days to reach your account.
- Setting up automatic payments through Synchrony prevents missed payments and late fees, and you can choose your payment date each month.
- Your minimum payment and due date appear on your monthly statement, and paying only the minimum means you will pay interest on the remaining balance.
- Late payments trigger a fee and can lower your credit score, so paying by the due date matters even if you cannot pay the full balance.
Paying online through Synchrony
Go to Synchrony.com and log into your account using your card number and PIN or password. If you have not set up an online account yet, you can create one on the same page — you will need your card number and the last four digits of your Social Security number. Once logged in, select "Make a Payment" and enter the amount you want to pay.
You can pay from a checking or savings account (which takes one business day) or use a debit card (which posts when ready but may carry a small fee). Synchrony will show you the fee upfront before you confirm. After you submit the payment, you will see a confirmation number — save this in case you need to reference the transaction later.
Paying by phone
Call the number on the back of your NY and Company credit card or on your monthly statement. A Synchrony representative will verify your identity and ask how much you want to pay. You can pay from a checking or savings account, or use a debit card. The payment posts within one business day.
Phone payments are useful if you do not have internet access or prefer speaking with someone, but they take longer than online payment because you have to wait for a representative. If you call outside business hours, you may reach an automated system that can process payments without a representative.
Paying by mail
Write a check or money order and mail it to the address shown on your statement under "Payment Address." Include your account number on the check. Mail payments typically take five to seven business days to post, so send your payment at least a week before your due date to avoid a late fee.
Do not send cash through the mail. If your payment does not post within ten business days, contact Synchrony to confirm they received it. Keep a copy of the check or money order for your records.
Paying in person at an NY and Company store
You can pay your bill at the register of any NY and Company store location. Bring your credit card or account number and the amount you want to pay in cash or debit card. The store will process the payment and give you a receipt.
In-store payments take three to five business days to post to your account. This option is convenient if you shop at NY and Company regularly, but it is slower than online or phone payment. Ask the cashier for a receipt showing the payment amount and date.
Setting up automatic payments
Log into your Synchrony account online and select "Manage Automatic Payments." You can choose to pay your full balance, your minimum payment, or a fixed amount each month. Select the date the payment should come out — Synchrony will process it automatically on that day each month.
Automatic payments prevent missed due dates and late fees, and they save time if you pay the same amount regularly. You can change or cancel automatic payments anytime through your online account. If your balance changes month to month, you may want to set up automatic minimum payments and then pay extra online when you can.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and due date. The due date is usually the same day each month — check your statement to confirm. If you pay only the minimum, you will owe interest on the remaining balance at the card's annual percentage rate (APR), which varies based on your creditworthiness.
Paying the full balance by the due date means you owe no interest. Paying after the due date triggers a late fee (the amount depends on your balance) and can lower your credit score. Even if you cannot pay the full balance, paying at least the minimum by the due date protects your credit.
What to do if you miss a payment
If your payment is late, contact Synchrony as soon as possible. A late fee will appear on your next statement, and the late payment will be reported to credit bureaus if it is more than 30 days past due. Synchrony may be willing to waive a single late fee if you have a good payment history and contact them quickly.
If you are having trouble making payments, ask Synchrony about hardship programs or payment plans. They may be able to lower your interest rate temporarily or adjust your payment schedule. The sooner you reach out, the more options you may have.
Frequently Asked Questions
Can I pay my NY and Company credit card with a credit card?
No. Synchrony does not accept credit card payments, only payments from a bank account or debit card. Paying a credit card with another credit card typically counts as a cash advance and carries higher fees and interest rates.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready. Check your Synchrony account the next business day to confirm the payment posted. For mail payments, wait five to seven business days and then log in to verify. If a payment does not appear within the expected timeframe, contact Synchrony with your confirmation number or check number.
What is the difference between the due date and the statement date?
The statement date is when Synchrony closes your billing cycle and creates your monthly bill. The due date is when your payment must arrive to avoid a late fee — it is usually 21 to 25 days after the statement date. You can make payments anytime, but only payments received by the due date count toward avoiding late fees.
Can I pay more than the minimum to pay off my balance faster?
Yes. You can pay any amount up to your full balance at any time. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. There is no penalty for paying early or paying more than required.
What happens if I pay my bill twice in one month?
Synchrony will credit both payments to your account. If you overpay, the extra amount becomes a credit that reduces your next bill. You can also request a refund of overpayments by contacting Synchrony.