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, McCoy’s and GE Money Bank are proud to offer the McCoy Credit Card.
Already a McCoy Credit Card holder? Click Here to access your account information or make a payment to GE Money Bank online.
The McCoy Card Program offers benefits such as:
- 10% off your first McCoy Card purchase
- A 3% rebate on all your purchases with McCoy Credit Card Building Bucks program *
- 6 months no payments, no interest on any purchase of $399 or more if paid within 6 months**
- Increased Buying Power
- Fast, Easy Credit Approval
- No Annual Fee
- Honored at all McCoy's Building Supply locations
Quick Tip: For security purposes, online applications may take up to two weeks for processing. To start building today, apply for your new McCoy Credit Card at your local McCoy’s store. We’ll be able to verify your identity in person, so we can set up your account and get you back to your building project the same day.
Save 10% Off Your First Purchase
As a thank you for joining the McCoy Card Program, we’d like to give you 10% off your first purchase on your McCoy Credit Card ($50 maximum discount). So stop by your local McCoy’s to apply for your McCoy Credit Card and let us help you with all your home improvement needs. 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.
Earn 3% Back
With Building Bucks*
When you accumulate 500 Building Bucks, a $15 coupon is printed on your McCoy Card statement. That’s like getting a 3% rebate on all your McCoy Credit Card purchases!
You can use the certificate to help fund your next building project. To allow easy tracking, your point totals will appear on your monthly statement.
Save For 6 Months On Large Purchases**
Anytime you make a purchase of $399 or more, you are automatically enrolled in our 6 Months No Payment, No Interest Plan. If you pay that promotional purchase off within 6 months, you won’t be charged interest on that purchase. Don’t worry, your McCoy Credit Card statement keeps a running tally of deferred interest charges and promo due dates. And you can use our 6 month financing as many times as you like on any purchase of $399 or more.
Finance charges (interest) are calculated on promotional purchases in the same way as a standard purchase. However, these finance charges are deferred (not added to your balance) for 6 months from the date of purchase. Although they are not added during the 6 month promo period, the total amount of the finance charges will continue to increase until the balance is paid in full.
If you pay the total promo purchase balance (amount of the purchase) on or before the final due date of the 6 month promo, you will not be required to pay any of the finance charges. If you do not pay the total balance on or before the final due date of the No Interest term, all finance charges that have been deferred (calculated, but not added) will be added to your account. You will be required to pay all of the finance charges from the original purchase date and purchase amount.
Please note that the 6 Months No Payment, No Interest Plan is only available to consumer McCoy Credit Card accounts. Non-promotional or standard purchases (less than $399) continue to have finance charges and payment due dates applied to them as stated in your credit agreement.
Already a McCoy Credit Card Holder?
Click here to access your account information or make a payment to GE Money Bank online. Still have questions about your account? Contact GE Money Bank’s Customer Service department toll-free at (800) 250-5411.
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* The McCoy Credit Card Building Bucks program is automatically available to each consumer McCoy 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 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 McCoy Credit Card Building Bucks program may be changed or discontinued at any time. No additional Building Bucks Certificates will be issued after termination of the Program.
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**6 Months No Payments, No Interest On purchases of $399 or more if paid within 6 months. Applies to purchases of $399 or more on a McCoy’s Consumer Credit Card account.Under the promotion, no payments are required on the promotional purchase and no finance charges will be assessed on the promo purchase as long as: (1) you pay the promo purchase amount in full within 6 months, and (2) you pay, when due, the minimum monthly payment on any other balances on your account.
If you fail to satisfy either condition, all special promo terms may be terminated and finance charges may be assessed on the promo purchase amount from the date of the purchase. Optional credit insurance/debt cancellation charges on your promo purchase are not deferred and are not subject to the promo terms.
Standard account terms apply to non-promotional purchase. Variable APR ranges from 18.90% to 24.75%, based on credit qualification as of December 1, 2007. Fixed APR of 14.75% applies if the minimum payment is not made within one month of the payment due date. Minimum finance charge is $1.00. Existing cardholders should see their credit card agreement for standard terms. Offer is subject to credit approval by GE Money Bank.
