Where and how to pay your NY and Company card
NY and Company issues its credit card through Synchrony Bank. You can pay your bill online through the Synchrony portal, by phone, by mail, or in person at any NY and Company store. The online portal at mysynchrony.com is the fastest route — you can set up a one-time payment or enroll in automatic payments there. Payments made online typically post within one business day.
If you prefer to call, Synchrony's customer service number appears on the back of your card. Phone payments process the same day if you call before the cutoff time, usually 8 p.m. Eastern. Mailing a check takes 7 to 10 business days to reach Synchrony's processing center, so plan ahead if your due date is approaching. In-store payments at NY and Company locations are also available, though not all stores process card payments — call ahead to confirm.
Key Takeaways
- The NY and Company card is managed by Synchrony Bank, so you pay through Synchrony's website, phone line, or mail, not directly to the store.
- Online payments through mysynchrony.com post within one business day and let you schedule payments in advance or set them to recur automatically.
- Phone payments process the same day if you call before the evening cutoff, while mailed checks take a week to 10 days to arrive.
- Your due date and minimum payment appear on your monthly statement and in your online account; paying at least the minimum by that date avoids late fees.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account at mysynchrony.com, go to the Payments section, and select "Automatic Payments" or "Recurring Payments." You can choose to pay your full balance, a fixed dollar amount, or just the minimum due each month. Synchrony will deduct the payment from your bank account on the date you specify — typically a few days before your statement due date works best.
If you set automatic payments to your full balance, you'll pay no interest charges as long as you don't carry a balance. If you choose a fixed amount or minimum payment, interest will accrue on the remaining balance at the card's current APR. You can change or cancel automatic payments anytime through your online account, so there's no long-term commitment.
Understanding your statement and due date
Your statement closes on a set date each month — this is when Synchrony tallies all your purchases, fees, and interest charges. Your due date is typically 21 to 25 days after the statement closes. Both dates appear at the top of your paper statement or in the "Account Summary" section of mysynchrony.com. The minimum payment due is listed on the statement; paying only the minimum means you'll carry a balance and pay interest on it.
If your due date falls on a weekend or holiday, Synchrony typically extends the important date to the next business day. Payments received after 5 p.m. Eastern on the due date are considered late. A late payment triggers a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may raise your APR under the card's penalty rate terms.
What happens if you miss a payment
A payment is considered late if it arrives after your due date. Synchrony reports late payments to the three major credit bureaus (Equifax, Experian, and TransUnion) once the account is 30 days past due. A single late payment can lower your credit score by 50 to 100 points, depending on your current score and credit history.
Beyond the credit impact, late payments trigger fees and often increase your interest rate. If your account reaches 60 days past due, Synchrony may freeze your account and stop allowing new charges. At 180 days past due, the account is typically charged off and may be sent to a debt collector. If you miss a payment, contact Synchrony as soon as possible — sometimes they can waive a single late fee if you have a good payment history.
Paying more than the minimum
Paying more than your minimum payment reduces the interest you pay and helps you pay off the balance faster. If you carry a $1,000 balance at the card's typical APR (which varies but often ranges from 18% to 24%), paying only the minimum of around $25 per month means you'll pay hundreds of dollars in interest over time. Paying $100 or $150 per month instead cuts that interest sharply and gets you out of debt in months rather than years.
There's no penalty for paying early or paying more than required. You can make multiple payments in a single month if you want — some people pay a portion when they get paid every two weeks, then pay the rest before the due date. This approach keeps the balance lower throughout the month and reduces the interest charged.
Payment methods and security
Online payments through mysynchrony.com are encrypted and find — Synchrony uses industry-standard SSL encryption to protect your banking information. Phone payments are also find as long as you call the official number on your card, not a number from an email or text claiming to be from Synchrony. Never give your card number or bank details to anyone who contacts you first.
If you pay by mail, write your account number on the check and mail it to the address listed on your statement. Do not mail cash. If you're concerned about a payment getting lost in the mail, use online or phone payment instead — both provide when ready confirmation. If you pay in person at an NY and Company store, ask for a receipt showing the payment amount and date.
Frequently Asked Questions
Can I pay my NY and Company card bill at the store?
Some NY and Company locations accept card payments in person, but not all do. Call your local store first to confirm they process payments. Even if they do, paying online or by phone is faster and gives you an when ready confirmation number.
What time does my payment need to arrive to count as on-time?
Online and phone payments must be submitted before 5 p.m. Eastern on your due date. Mailed payments must be postmarked by your due date, though Synchrony typically allows a few extra days for mail delivery. If you're cutting it close, use online or phone payment instead.
Will paying my balance in full each month hurt my credit score?
No. Paying your full balance on time actually helps your credit score by showing you use credit responsibly and pay what you owe. The only downside is you won't build as much credit history as someone who carries a small balance, but the benefit of avoiding interest far outweighs that.
What should I do if I can't pay by my due date?
Contact Synchrony before your due date, not after. Explain your situation — they may be able to work out a payment plan or defer a payment. Calling ahead is much better than letting the account go late, which damages your credit and triggers fees.
Is there a fee for paying online or by phone?
No. Synchrony does not charge a fee for online or phone payments. Some third-party payment processors charge fees, but Synchrony's official channels are free.