What New York & Company bill pay is and how to use it
New York & Company offers a store credit card through Synchrony Bank. When you use the card to buy clothing or accessories at New York & Company stores or online, you receive a bill from Synchrony, not from New York & Company directly. To pay that bill, you work with Synchrony's payment system, which offers several ways to send money: online through your Synchrony account, by phone, by mail, or in person at a New York & Company store.
The card itself works like any retail credit card — you charge purchases, receive a statement, and then decide how much to pay by the due date. Synchrony sets the interest rate and terms. If you pay the full balance by the due date each month, you pay no interest. If you carry a balance, interest accrues at the card's annual percentage rate (APR), which varies based on your creditworthiness and current market conditions.
New York & Company sometimes offers promotional financing — for example, a period where you pay no interest if you pay off the purchase within a set number of months. These offers appear at checkout and on your statement. The terms are specific to each promotion, so read the offer carefully before you charge.
Key Takeaways
- Your New York & Company card is issued by Synchrony Bank, so you pay Synchrony, not the store itself.
- You can pay online through your Synchrony account, by phone at the number on your statement, by mail to the address listed on your bill, or at a New York & Company register.
- Paying the full statement balance by the due date means you owe no interest; carrying a balance triggers the card's APR.
- Promotional financing offers (like "12 months no interest") have specific terms and conditions that apply only to purchases made during the promotion period.
- Missing a payment can result in late fees, a higher APR, and damage to your credit score.
Where to find your statement and due date
Synchrony sends your statement either by mail or email, depending on how you set up your account. Your statement shows the amount you owe, the due date, the minimum payment required, and the interest rate applied to any balance you carry. The due date is typically 21 to 25 days after the statement closing date, though this varies.
You can also log into your Synchrony account online or through the Synchrony mobile app to see your balance and due date at any time. The app and website both show your current balance, recent transactions, and available credit. If you have not set up an online account yet, you can create one using your card number and the last four digits of your Social Security number.
If you do not receive a statement by mail or email within a few days of your closing date, contact Synchrony at the number on the back of your card to confirm your contact information is correct.
How to pay online, by phone, or by mail
Online payment is usually the fastest and most convenient option. Log into your Synchrony account on the website or app, select "Make a Payment," and enter the amount you want to pay. You can pay from a checking or savings account linked to your Synchrony profile. The payment typically posts within one business day, though Synchrony recommends paying at least three business days before your due date to ensure it arrives on time.
Phone payment lets you speak with a representative if you have questions. Call the number on the back of your card or on your statement. Have your card number and the amount you want to pay ready. Payments made by phone are usually processed the same day if you call before the cutoff time (typically in the evening, Eastern time). Confirm the exact cutoff with the representative.
Mail payment takes longer and carries more risk of late arrival. Write a check or money order, include your account number on the check, and mail it to the address shown on your statement. Allow at least 10 business days for the payment to arrive and post. If your due date is fewer than 10 days away, do not rely on mail — use online or phone payment instead.
In-store payment at a New York & Company register is an option at some locations. Ask a cashier whether your store accepts credit card payments. This method is useful if you are already shopping, but confirm the payment posts to your account within a few days.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date, Synchrony charges a late fee. The fee amount depends on your account history and state law, but typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing cycle may result in a higher fee.
A late payment also triggers a higher interest rate on your balance. Synchrony may increase your APR to a penalty rate, which can be significantly higher than your regular rate. This penalty rate may apply to new purchases as well as your existing balance. The penalty rate stays in effect for at least six months, and longer if you continue to miss payments.
Late payments are reported to the three major credit bureaus (Equifax, Experian, and TransUnion) and appear on your credit report for seven years. Even one late payment can lower your credit score by 50 to 100 points or more, depending on your current score and credit history. A lower score affects your ability to borrow money in the future and may result in higher interest rates on other loans and credit cards.
If you know you will miss a payment, contact Synchrony before the due date. Some customers are able to work out a payment plan or temporary arrangement, though this is not may provide. Synchrony is more likely to help if you contact them proactively rather than after you miss the deadline.
Promotional financing and special offers
New York & Company advertises promotional financing at the register and online — for example, "12 months no interest" or "24 months no interest on purchases over $100." These offers are issued by Synchrony and apply only to purchases made during the promotion period. The terms are printed on your receipt and on your statement.
If you take advantage of a promotional offer, you must pay off the purchase within the stated timeframe to avoid interest. If you do not pay the full promotional purchase amount by the end of the period, Synchrony charges interest retroactively — meaning you owe interest on the entire purchase from the original purchase date, not just from the end of the promotion. This can result in a large interest charge all at once.
To avoid this surprise, set a reminder for one month before the promotion ends. Check your statement to confirm the promotional balance is being paid down. If you cannot pay off the full amount in time, contact Synchrony to discuss your options before the promotion expires.
Automatic payments and setting up a payment schedule
Synchrony allows you to set up automatic payments from your checking or savings account. You can choose to pay a fixed amount each month, the minimum payment, or the full statement balance. Automatic payments are deducted on the date you select, usually a few days before your due date.
Automatic payments reduce the risk of forgetting to pay, but they also require you to monitor your account to ensure the payment amount is correct each month. If your balance changes significantly, your automatic payment may not cover the full amount you owe. Check your statement each month to confirm the payment was processed and the balance is moving in the direction you want.
You can set up, change, or cancel automatic payments through your Synchrony online account or by calling the number on your statement. Changes typically take effect within one to two business days.
Understanding your interest rate and how it is calculated
Your New York & Company card's APR depends on your credit score, income, and Synchrony's current pricing. The rate you receive is shown on your statement and in your online account. If you carry a balance, Synchrony calculates interest daily using the average daily balance method — meaning they add up your balance for each day of the billing cycle, divide by the number of days, and apply the APR to that average.
The interest charge appears on your next statement. If you pay the full balance by the due date, no interest is charged, regardless of your APR. Interest only applies to balances you carry from one month to the next.
If you receive a promotional financing offer (like "no interest for 12 months"), the promotional rate overrides your regular APR for that specific purchase during the promotion period. Once the promotion ends, any remaining balance reverts to your regular APR — or to a penalty APR if you missed a payment during the promotion.
Frequently Asked Questions
Can I pay my New York & Company bill at the store?
Some New York & Company locations accept credit card payments at the register, but not all do. Call your local store or ask a cashier before you visit. Even if the store accepts payments, the transaction may take several days to post to your Synchrony account, so do not rely on in-store payment if your due date is within a week.
What is the difference between the statement balance and the current balance?
The statement balance is what you owed on the day your statement closed. The current balance includes any new charges or payments since the statement closed. If you want to pay off everything you owe, use the current balance. If you want to know what you owed during the billing period, use the statement balance.
What happens if I pay only the minimum payment?
The minimum payment covers only a small portion of your balance and interest charges. The rest of your balance carries over to the next month and accrues more interest. Paying only the minimum means you will pay significantly more in total interest and take much longer to pay off the card. Paying the full statement balance each month avoids interest entirely.
Can I dispute a charge on my New York & Company card?
Yes. Contact Synchrony at the number on your statement or in your online account and explain the charge you want to dispute. Synchrony will investigate and may reverse the charge if they determine it was unauthorized or incorrect. The dispute process typically takes 30 to 90 days. During that time, the charge remains on your account unless Synchrony provisionally credits you while they investigate.
What should I do if I lose my card or suspect fraud?
Call Synchrony immediately at the number on your statement or the back of your card. Synchrony will cancel the card and issue a replacement. You are not responsible for unauthorized charges if you report the card lost or stolen before someone uses it, and your liability is limited to $50 even if fraudulent charges occur. Synchrony will investigate any charges you dispute and typically removes them from your account.