Where to send your New York & Company card payment
New York & Company credit card payments go to a lockbox address that differs depending on whether you pay by mail or online. The card issuer is Synchrony Bank, and they process all payments for the New York & Company credit card program.
You have three main payment routes: online through your Synchrony account, by phone, or by mailing a check. Each has different processing times and cutoff dates, so the method you choose affects when your payment posts to your account.
Key Takeaways
- Online payments through your Synchrony account typically post within one business day, making this the fastest way to avoid late fees.
- Phone payments to Synchrony can be made 24/7 by calling the number on the back of your card, and they usually post the next business day.
- Mailed payments must arrive by the due date shown on your statement to count as on-time, and processing takes 7 to 10 business days after arrival.
- Your due date is at least 21 days after your statement closes, giving you time to receive the bill and arrange payment.
- Late fees explore if your payment arrives after the due date, regardless of when you sent it or which method you used.
Paying online through your Synchrony account
Log into your account at mysynchrony.com or through the Synchrony mobile app to make an online payment. You will need your username and password, or you can create an account if you have not already. Once logged in, select the New York & Company card and choose "Make a Payment."
You can pay from a checking or savings account linked to your Synchrony profile. Enter the amount you want to pay and choose your payment date. If you schedule a payment for today or tomorrow, it typically posts within one business day. Payments scheduled further out post on the date you select, assuming that date is a business day.
Online payments are free and leave an when ready record in your account, so you can see the payment reflected when ready even though it takes a day to fully process. This method also lets you set up automatic recurring payments if you want your bill paid the same day each month.
Paying by phone with Synchrony
Call the number on the back of your New York & Company card to reach Synchrony's payment line. You can call 24 hours a day, seven days a week. Have your card number and the amount you want to pay ready, and be prepared to verify your identity with your Social Security number or date of birth.
Phone payments are processed as same-day transactions, meaning they post to your account the next business day. You will receive a confirmation number at the end of the call. Write this number down or take a screenshot, because it serves as your proof of payment if there is ever a dispute about when you paid.
Phone payments are also free. The main drawback is that you do not have a written record in your online account until the payment actually posts, so you are relying on the confirmation number and your own notes until then.
Paying by mail to Synchrony
If you prefer to mail a check, the lockbox address appears on your monthly statement. The address typically reads something like "Synchrony Bank, [Lockbox Number], [City, State, ZIP]." Always use the address printed on your specific statement, because lockbox numbers can change and using an outdated address delays processing.
Write your account number on the check and mail it so it arrives by your due date. The postal service takes 3 to 5 business days for delivery, and Synchrony takes another 3 to 5 business days to process the check after it arrives. This means a check mailed 10 days before your due date may not post until after the important date, triggering a late fee.
To be safe, mail payments at least two weeks before your due date. If you are cutting it close, use online or phone payment instead. Keep a copy of the cancelled check or your bank statement showing the check cleared, in case you need proof that you paid on time.
Understanding your statement due date and grace period
Your statement closing date and your payment due date are different. The closing date is when Synchrony stops adding charges to that month's statement—typically the same day each month. Your due date comes at least 21 days later and is printed on the front of your statement.
Synchrony reports late payments to credit bureaus if your payment arrives after the due date. A payment that is even one day late can trigger a late fee, usually between $25 and $39 depending on your account history. Late payments also may increase your interest rate on future purchases.
The grace period—the window where you can pay without interest on new purchases—applies only if you pay your full statement balance by the due date. If you carry a balance, interest accrues daily on that balance regardless of whether you pay on time, but you still need to make at least the minimum payment by the due date to avoid a late fee.
What happens if you miss a payment
If your payment does not arrive by the due date, Synchrony will charge a late fee to your account. This fee appears on your next statement. Additionally, your interest rate may increase to a penalty APR, which is higher than your regular purchase APR and applies to new purchases and any existing balance.
Missing a payment also gets reported to the three major credit bureaus—Equifax, Experian, and TransUnion—and stays on your credit report for seven years. Even one missed payment can lower your credit score by 100 points or more, depending on your overall credit profile.
If you realize you will miss a due date, contact Synchrony when ready. Some accounts have the option to request a due date change or a one-time late fee waiver, though this is not may provide. The sooner you call, the better your chances of working something out before the late fee posts.
Setting up automatic payments to avoid missed important date
The easiest way to may support you never miss a payment is to set up automatic recurring payments through your Synchrony account. You can choose to pay a fixed amount each month (such as your minimum payment or a set dollar amount) or the full statement balance automatically on a date you select.
Automatic payments pull from a checking or savings account you link to your Synchrony profile. You can change or cancel the automatic payment at any time through your account, and you can also make additional manual payments in months when you want to pay more than the automatic amount.
If you choose to autopay your full statement balance, make sure the payment date is before your due date—ideally a few days before, to account for processing time. If you autopay a fixed amount like your minimum payment, you are responsible for ensuring that amount covers at least the minimum due.
Frequently Asked Questions
What time does my online payment post if I submit it today?
Online payments submitted during business hours typically post within 24 hours. Payments submitted after hours or on weekends post the next business day. Synchrony processes payments Monday through Friday, so a payment submitted on Friday evening will not post until Monday.
Can I pay my New York & Company card at a store?
No. New York & Company stores do not accept credit card payments. You must pay through Synchrony Bank using online, phone, or mail methods. Attempting to pay in-store will not be recorded as a payment to your account.
What if I pay online but the payment does not show up in my account?
Check your account 24 hours after you submitted the payment. If it still has not posted, log back in and verify the payment went through—sometimes a payment can fail without sending a notification. If the payment was rejected, try again or call Synchrony to find out why it did not process.
Is there a fee for paying my bill?
No. Synchrony does not charge a fee for online, phone, or mail payments on the New York & Company credit card. All payment methods are free.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full statement balance at any time. Paying more than the minimum reduces your interest charges and helps you pay off the balance faster. There is no penalty for paying early or paying more than required.