How to Pay Your New York and Company Credit Card
Where and how 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 the retailer. You can pay online through your Synchrony account, by phone, by mail, or in person at a New York and Company store. The method you choose affects when the payment posts and whether you avoid late fees.
Online payment through the Synchrony website or mobile app is the fastest and most common route. You log in with your card number and password, enter the amount you want to pay, and the money typically posts within one business day. Phone payments (1-800-520-3452) work the same way and take the same time. Mail and in-store payments are slower — mail can take 7 to 10 days to reach the payment processor, and in-store payments may take several days to post to your account.
Key Takeaways
- Synchrony Bank processes all New York and Company credit card payments, not the retailer itself.
- Online and phone payments post within one business day; mail and in-store payments take 7 to 10 days or longer.
- Your payment due date is printed on your statement, and payments must arrive by 5 p.m. Eastern time on that date to avoid a late fee.
- You can set up automatic monthly payments through Synchrony to ensure you never miss a due date.
- If you pay late, the late fee is added to your balance and your interest rate may increase, even if you pay the full amount owed later.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to the "Payments" or "Autopay" section, and choose whether you want to pay a fixed amount each month or the full statement balance. You can set the payment to go out on any date you choose, though Synchrony recommends picking a date before your due date to account for processing time.
If you set autopay for the full statement balance, your payment will cover everything you owe that month. If you set it for a fixed amount — say, $50 — that amount will come out every month regardless of your balance, which means you may still carry a balance and pay interest. You can change or cancel autopay anytime through your account, and Synchrony will send you a confirmation email when the payment processes.
What happens if your payment is late
A payment is late if it does not arrive by 5 p.m. Eastern time on your due date. Synchrony charges a late fee (the amount depends on your account terms, typically $25 to $40) and reports the late payment to credit bureaus, which can lower your credit score. The late fee is added to your balance, so you owe more money than before.
Late payments also trigger a penalty interest rate. Even if you pay the full amount owed the next day, your interest rate jumps to a higher rate, usually 29.99% or higher depending on your card terms. This higher rate stays in place for at least six months, and you pay interest on any remaining balance at that rate. If you miss a payment by more than 30 days, Synchrony may freeze your account and refuse new charges until you bring it current.
How to find your due date and current balance
Your due date is printed on your monthly statement, which Synchrony sends by mail or email (you can choose which). The statement also shows your current balance, minimum payment, and the interest rate you are paying. You can view this information anytime by logging into your Synchrony account online or through the mobile app.
If you have not received a statement and your due date is approaching, log into your account to check the balance and due date there. Synchrony typically sends statements 21 days before the due date, so you have time to arrange payment. If you cannot find your due date or balance, call Synchrony at 1-800-520-3452 and a representative can tell you both.
Paying more than the minimum to reduce interest charges
The minimum payment is the smallest amount Synchrony will accept without charging a late fee, but paying only the minimum means you carry a balance and pay interest every month. If your statement balance is $500 and the minimum payment is $25, paying only $25 leaves $475 on the card, and you pay interest on that $475 at your card's interest rate.
Paying more than the minimum reduces the balance faster and cuts the total interest you pay over time. If you can pay the full statement balance each month, you avoid interest entirely — Synchrony does not charge interest if you pay the full amount by the due date. If you cannot pay the full balance, paying as much as you can afford still saves money compared to the minimum. Use the Synchrony website or app to see how much interest you will pay if you make only the minimum payment, which can help you decide how much extra to pay.
Disputing a charge or payment that did not post
If a charge on your statement is wrong or a payment you made did not show up in your account, contact Synchrony within 60 days of the statement date. Call 1-800-520-3452 or log into your account and use the dispute tool. Have your statement handy and be ready to describe the charge or the payment — the date, the amount, and what you believe went wrong.
Synchrony will investigate and typically respond within 30 days. If you are disputing a charge, Synchrony may remove it temporarily while investigating, which means it will not count against your balance or due date. If you are disputing a payment that did not post, Synchrony will trace where the payment went — sometimes payments sent by mail get lost, or a payment made through a third-party service (like a bill-pay service) may have been sent to the wrong address. Once Synchrony confirms the issue, they will credit your account or reissue the payment.
Payment options if you cannot pay the full amount
If you cannot pay your full balance by the due date, contact Synchrony before the due date to discuss your options. Synchrony offers hardship programs for customers facing temporary financial difficulty — these may include a lower interest rate, a reduced minimum payment, or a pause on late fees for a set period. You must call to request this; it is not automatic.
Another option is to make a partial payment by the due date to avoid a late fee, then pay the rest as soon as you can. A partial payment does not eliminate the late fee if the full minimum is not paid, but it shows Synchrony you are trying to stay current. If you are struggling with debt across multiple cards, you may want to explore whether a credit counselor or debt management plan makes sense for your situation — nonprofit credit counseling agencies offer free or low-cost guidance.
Frequently Asked Questions
Can I pay my New York and Company credit card at the store?
Yes, you can make a payment at any New York and Company store location, but it takes 7 to 10 days to post to your Synchrony account. If your due date is soon, paying in store is risky because the payment may not arrive in time. Online or phone payment is faster and safer for meeting your due date.
What if I pay online but my payment does not show up?
Online payments typically post within one business day. If more than two business days have passed and the payment is not showing, log into your Synchrony account to confirm the payment was processed, or call 1-800-520-3452. Have your confirmation number ready if you have one.
Will paying late hurt my credit score?
Yes. Synchrony reports late payments to credit bureaus, and a late payment can lower your score by 100 points or more depending on your credit history. The impact fades over time, but the late payment stays on your credit report for seven years.
Can I change my due date?
Synchrony allows you to request a due date change once per year. Log into your account or call 1-800-520-3452 to ask. The new due date typically takes effect on your next statement.
What is the difference between the statement balance and the current balance?
The statement balance is what you owed on the date your statement was created, usually 21 days before your due date. The current balance includes charges made after the statement date. You owe the statement balance by the due date; charges made after the statement date are due on the next month's due date.