McCoy's Consumer Credit

The McCoy's Credit Card

At McCoy's we know that owning a home can often be costly and time consuming. We want you to know that no matter what your problem, broken water heater or inadequate insulation in the attic, we've got the product and the know-how you need to get your home in order. And, to help you with those unexpected home improvement projects, we are proud to offer the McCoy Credit Card with benefits such as:

• No Annual Fee
• Increased Buying Power
• Flexible Payment Terms
• Fast, Easy Credit Approval
• Building Bucks Reward Program *
• Honored at all McCoy's Building Supply Centers
• Separate Line of Credit for Home Improvement Costs
• 6 months no payments, no interest on all purchase of $399 or more if paid within 6 months (consumer card only)

McCoy's Building Bucks

At McCoy's we like to reward our loyal customers and that is why we're excited to introduce you to the McCoy Credit Card Building Bucks program. This reward program earns you "building buck" points every time you make a purchase on your McCoy Credit Card. You will earn one "building buck" for every $1.00 charged on your McCoy Credit Card. When you accumulate 500 "building bucks," a $15 certificate is mailed to you. It's like getting a 3% rebate on all your McCoy Credit Card purchases. You can use the certificate to help fund your next McCoy’s building project. To allow easy tracking, your point totals will appear on your monthly statement. *

6 months no payments, no interest on purchase of $399 or more if paid within 6 months. Valid on purchases of $399 or more made on a McCoy's consumer credit card. On promo purchase, no monthly payments required & no finance charges assessed if (1) promo purchase paid in full in 6 months, (2) any minimum monthly payments on account paid when due, and (3) account balance does not exceed credit limit. Otherwise, promo may be terminated & finance charges assessed from purchase date. Standard terms apply to non-promo purchases, optional charges & existing accounts. As of 4/1/07, variable APR's: 24.15% & on all accounts in default, 28.99%. Minimum Finance Charge of $1.50. Subject to approval by GE Money Bank.

In addition, receive 10% off your first purchase on your McCoy Credit Card (maximum discount of $50.00). So stop by or call to apply for your McCoy Credit Card and let us help you with all your home improvement needs. Because, with the McCoy Credit Card, you can take the worry out of financing your next big project. For more information, or to apply for a McCoy Credit Card, please contact your nearest McCoy's store location or to apply online, please click here.

Minimum Finance Charge $1.00. As of July 1, 2003 the ANNUAL PERCENTAGE RATE will range from 15.90% (15.90% minimum) to 24.90%, based on credit approval and may vary after that. Credit provided by GE Money Bank.

* The McCoy’s Building Bucks Program is automatically available to each McCoy consumer Credit Card customer, including employees, whose account is in good standing and not more than one payment past due at the time Building Bucks Certificates are issued and redeemed. Contractor and Commercial accounts are excluded. For every $1 in net purchases (merchandise purchases minus returns and adjustments) charged to a McCoy Credit Card account, a cardholder will earn one Building Bucks Point. For every 500 Building Bucks Points accumulated, a $15 Building Bucks Certificate will be issued to the cardholder. Building Bucks Points are not earned on Cash Advances, Convenience Checks, Fees, Finance Charges, and non-McCoy’s products and services. Building Bucks Certificates will be mailed the month following the billing period in which the Building Bucks Points balance equals or exceeds 500 Building Bucks Points. Multiple Building Bucks Certificates can be redeemed on a single transaction. For each Building Bucks Certificate redeemed the cardholder is required to make a $50 minimum purchase on their McCoy Credit Card. Certificates are good for one-time use only at McCoy’s Building Supply Center locations, and must be surrendered at the time of purchase. Building Bucks Certificates are not transferable and cannot be used as payment on your McCoy Credit Card account, or for prior purchases. Building Bucks Certificates are redeemable for merchandise only, and they cannot be credited to an in-house account or redeemed for cash. They are not replaceable if lost or stolen, and expire on the expiration date printed on the front of the certificate. This Building Bucks Program may be changed or discontinued at any time. No additional Building Bucks Certificates will be issued after termination of the Program.