New York & Company bill payment basics
New York & Company processes bill payments through their customer service department and online account portal. You can pay your bill by mail, phone, or through your online account if you have one set up. The company does not charge a fee for any of these payment methods.
Your bill arrives by mail each month and shows your account number, current balance, and a due date. The due date is typically 25 days after the statement closing date. Payments received after the due date may be reported as late to credit bureaus, which can affect your credit score.
New York & Company uses Synchrony Bank as the card issuer, so your account terms and credit line are managed through them. This matters because late payments, missed payments, and your credit utilization all feed into your credit report through Synchrony's reporting.
Key Takeaways
- You can pay your New York & Company bill online through your account portal, by phone at the number on your statement, or by mailing a check to the address printed on your bill.
- Payments made after your due date will be reported as late to credit bureaus, even if you pay within a grace period.
- Mailed payments typically take 5 to 7 business days to reach the payment processing center, so mail your payment at least a week before the due date.
- Your account is issued by Synchrony Bank, so any disputes about charges or billing errors should be directed to Synchrony, not to New York & Company stores.
Paying online through your account
To pay online, log into your account on the New York & Company website or through the Synchrony mobile app. You will need your account number and password. Once logged in, look for the "Make a Payment" or "Pay My Bill" option, which is usually on the account dashboard or in a menu labeled "Account" or "Billing."
You can choose to pay the full balance, the minimum payment, or a custom amount. The payment will be processed immediately if you pay before 8 p.m. Eastern Time on a business day. Payments submitted after 8 p.m. or on weekends and holidays will be processed the next business day.
Online payments are free and do not require a credit card or bank account transfer fee. The payment posts to your account within one business day in most cases.
Paying by phone
Call the customer service number on the back of your card or on your bill statement. A representative will ask for your account number and the amount you want to pay. You will need to provide a checking account number and routing number if you want to pay from your bank account, or you can authorize a payment using your debit card.
Phone payments are also free. The representative will confirm the payment amount and the date it will be processed. Ask for a confirmation number and write it down for your records.
Customer service hours vary, but New York & Company typically accepts phone payments during business hours, Monday through Friday. Check your statement for the exact hours and phone number.
Paying by mail
Write a check or money order payable to New York & Company or Synchrony Bank (check your statement to see which name is listed). Include your account number on the check. Place the check in an envelope with the payment stub from your bill, which has the mailing address printed on it.
Mail your payment at least 7 to 10 days before the due date to account for postal delivery time. The payment processing center typically receives mail 5 to 7 business days after you mail it. If your payment arrives after the due date, it will be recorded as late even if you mailed it on time.
Keep a copy of the check or a photo of the front and back for your records. If you need proof of payment, you can check your online account or call customer service to confirm the payment was received.
What happens if you miss a payment
If your payment is not received by the due date, your account will be marked as late. New York & Company and Synchrony will report this to the three major credit bureaus: Equifax, Experian, and TransUnion. A late payment can lower your credit score by 50 to 100 points or more, depending on how late it is and your overall credit history.
After 30 days late, you may receive a phone call or letter asking you to bring your account current. After 60 days late, the interest rate on your account may increase to the penalty rate listed in your cardholder agreement. After 180 days late, the account may be charged off and sent to a collection agency.
If you know you will be late, call customer service as soon as possible. Some cardholders can negotiate a payment plan or a temporary hardship arrangement, though this is not may provide. The sooner you contact them, the more options may be available.
Understanding your statement and due date
Your statement shows the opening balance, all purchases and credits made during the billing cycle, any interest charges or fees, and the closing balance. The statement closing date is when the billing cycle ends, and the due date is typically 25 days later.
The minimum payment is calculated as a percentage of your balance plus interest and fees, usually around 1 to 3 percent of the total balance. Paying only the minimum will extend the time it takes to pay off your balance and increase the total interest you pay.
If you carry a balance from month to month, interest accrues daily at the annual percentage rate (APR) listed on your statement. The APR varies based on your creditworthiness and current market rates. Check your statement or account portal to see your current APR.
Disputing charges and billing errors
If you see a charge you do not recognize or believe is incorrect, contact Synchrony Bank directly, not the New York & Company store. Synchrony handles all billing disputes and credit decisions for the card. You can find the dispute phone number on your statement or in your online account.
When you report a dispute, Synchrony will investigate and typically respond within 30 to 60 days. During the investigation, the disputed amount may be temporarily removed from your balance, though you are still responsible for other charges on the account. Keep copies of receipts and any correspondence with the store or Synchrony for your records.
If you believe a charge was made fraudulently or without your permission, report it to Synchrony as soon as possible. Federal law limits your liability for unauthorized charges to $50 if you report it promptly.
Frequently Asked Questions
Can I set up automatic payments for my New York & Company bill?
Yes, you can set up automatic payments through your online account or by calling customer service. You can choose to pay the full balance, the minimum payment, or a fixed amount each month on a date you select. Automatic payments are free and reduce the risk of missing a due date.
What if I pay my bill early?
Paying early is always allowed and will not result in any penalty or fee. The payment will be applied to your account immediately if submitted before 8 p.m. Eastern Time on a business day. Early payments reduce the interest that accrues on your balance.
How long does it take for an online payment to show up on my account?
Online payments typically post within one business day. If you pay before 8 p.m. Eastern Time on a business day, the payment is usually reflected in your account by the next morning. Weekend and holiday payments may take an additional day.
What should I do if I cannot find my account number?
Your account number appears on your bill statement, on the back of your card, and in your online account. If you do not have access to any of these, call customer service with your name, address, and the last four digits of your Social Security number, and they can provide your account number.
Can I pay someone else's New York & Company bill?
You can mail a payment on someone else's account if you include their account number with the check. For online or phone payments, the account holder or an authorized user must make the payment themselves for security reasons. If you are an authorized user on the account, you can make payments online or by phone.