How to Pay Your Ny and Company Credit Card Bill

Where and how to send your Ny and Company card payment

Ny and Company issues its credit card through Synchrony Bank, so payments go to Synchrony, not directly to the store. You can pay online through your Synchrony account, by phone, by mail, or in person at a Ny and Company store. The fastest route is online—payments post the same business day if you submit before the cutoff time, usually around 8 p.m. Eastern.

To pay online, log into your Synchrony account at synchronybank.com or use the Synchrony mobile app. You'll need your card number and online login credentials. If you haven't set up an online account yet, you can create one using your card number and Social Security number. Once logged in, select "Make a Payment" and choose your payment amount and method—you can pay from a checking or savings account via ACH transfer, or use a debit card.

Phone payments go through Synchrony's customer service line at 1-866-207-6237. Have your card number and bank account information ready. Mail payments should be addressed to the payment address printed on your statement—this address changes based on the payment amount, so always check your bill before mailing. In-store payments at Ny and Company locations are also an option, though not all stores accept them; call ahead to confirm.

Key Takeaways

• Ny and Company card payments are processed by Synchrony Bank, not the store itself, so you pay Synchrony directly online, by phone, by mail, or at a store location.
• Online payments through your Synchrony account post the same business day if submitted before the evening cutoff, making it the fastest payment method.
• Your minimum payment due date appears on your statement, and paying after that date triggers a late fee and reports to credit bureaus.
• Setting up automatic payments through Synchrony prevents missed payments, though you remain responsible if the payment fails due to insufficient funds.

Understanding your statement and due dates

Your Ny and Company statement arrives monthly and shows your statement closing date, payment due date, and minimum payment amount. The due date is typically 21 to 25 days after the statement closes. If your due date falls on a weekend or holiday, Synchrony moves it to the next business day. Payments received after 5 p.m. Eastern on the due date are considered late.

Your statement also shows your current balance, available credit, interest rate (called the APR, or annual percentage rate), and any promotional offers tied to your card. If you're carrying a balance from a previous month, interest accrues daily on that balance at your APR. Paying only the minimum keeps your account in good standing but does not stop interest from building—paying the full statement balance each month avoids interest charges entirely.

What happens if you miss a payment

A payment is late if it arrives after your due date. Synchrony charges a late fee—the amount depends on your account history and card terms, but typically ranges from $25 to $40 for a first late payment. More importantly, a late payment reports to the three credit bureaus (Equifax, Experian, and TransUnion) and stays on your credit report for seven years, which lowers your credit score and affects your ability to borrow money in the future.

If you miss a payment by 30 days, Synchrony may freeze your account and stop allowing new purchases. If you miss by 60 days, your interest rate may jump to a penalty rate, which is higher than your regular APR. After 180 days of missed payments, Synchrony may charge off the account—meaning they write it off as a loss and may sell the debt to a collection agency. At that point, a collector can contact you to recover the debt.

If you know you'll miss a payment, contact Synchrony before the due date. They may offer a hardship program that temporarily lowers your payment or interest rate, though this varies by situation and is not may provide. Calling is better than ignoring the bill—it shows good faith and gives you a chance to work out an arrangement.

Setting up automatic payments

Automatic payments remove the risk of forgetting your due date. Log into your Synchrony account, go to "Manage Payments," and select "Set Up Automatic Payments." You can choose to pay a fixed amount each month (like your minimum payment or a set dollar amount), or you can choose to pay your full statement balance automatically. Payments process on the date you select, as long as that date is before your due date.

Automatic payments pull money from your checking or savings account via ACH transfer. Make sure your account has enough funds on the payment date—if the transfer fails due to insufficient funds, Synchrony will attempt to retry, but if it fails permanently, you're still considered late and will incur a late fee. You can pause or cancel automatic payments anytime through your account, but you remain responsible for making a payment by the due date if you do.

How to dispute a charge or payment issue

If you see a charge on your statement that you don't recognize or believe is wrong, contact Synchrony within 60 days of the statement date. You can dispute the charge through your online account or by calling 1-866-207-6237. Synchrony will investigate and typically respond within 30 days. During the investigation, the disputed amount is not counted toward your minimum payment, though you still owe the rest of your balance.

If a payment you made doesn't show up on your statement within a few business days, check your online account first—it may be pending. If it's been more than a week and the payment still hasn't posted, contact Synchrony with your payment confirmation number or receipt. They can trace the payment and apply it to your account if it was lost in processing.

Promotional financing and how it affects payments

Ny and Company frequently offers promotional financing—often 0% APR for 12 to 24 months on purchases over a certain amount. If you use a promotional offer, you must pay off the full promotional balance by the end of the promotional period. If you don't, Synchrony charges you interest retroactively on the entire original purchase amount at your regular APR, even if you've paid down most of it.

Your statement shows your promotional balance separately from your regular balance. Make a note of the promotional end date and set a reminder to pay it off before that date. If you can't pay it off in full, at least pay as much as possible before the period ends to reduce the retroactive interest charge. Minimum payments during the promotional period may not cover the full promotional balance, so you need to pay extra to stay on track.

Paying off your balance faster

If you're carrying a balance and want to pay it off without paying interest, you have a few options. The most direct is to pay more than your minimum payment each month—even an extra $25 or $50 per month reduces your balance faster and saves you interest. You can make multiple payments in a single month through your Synchrony account; there's no limit on how many times you pay.

Another option is to transfer your balance to a 0% APR credit card from another issuer, though balance transfer cards usually charge a one-time fee (typically 3% to 5% of the amount transferred) and require you to pay off the balance within the promotional period. Before transferring, compare the fee and promotional period against how much interest you'd pay on your Ny and Company card if you kept the balance there.

Frequently Asked Questions

Can I pay my Ny and Company card at the store?

Some Ny and Company locations accept in-store payments, but not all. Call your local store before visiting to confirm they offer this service. If they do, bring your card or account number and the payment method you want to use (cash, debit card, or check). In-store payments may take a few business days to post to your account.

What's the difference between my statement balance and my current balance?

Your statement balance is what you owed on the day your statement closed—this is the amount your minimum payment is based on. Your current balance includes any charges or payments made after the statement closed. You owe your current balance, but your minimum payment is calculated from your statement balance.

Will paying late affect my credit score?

Yes. A payment 30 or more days late reports to credit bureaus and lowers your credit score. The impact is largest immediately after the late payment and gradually fades over time, but the late payment stays on your credit report for seven years. Paying on time is the single most important factor in maintaining a good credit score.

Can I change my payment due date?

Yes. Log into your Synchrony account, go to "Account Settings," and select "Change Due Date." You can move your due date to any day of the month. Changing your due date can help you align your payment with your payday or other bills. The change takes effect on your next statement.

What should I do if I can't afford my minimum payment?

Contact Synchrony before your due date and explain your situation. They may offer a hardship program that temporarily reduces your payment or interest rate, though approval is not may provide. You can also ask about a payment plan or deferment option. The key is to call before you miss the payment—waiting until after you're late limits your options.