The McCoy's Consumer Credit Card

Disclosures:
* No Interest if paid in full within 12 months on purchases of $399 or more with your McCoy’s Consumer Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 Months. Minimum Monthly Payments required. Qualifying purchase amount must be on one receipt. Any discount, coupon, manufacturer rebate, or other promotional offer applied at the time of purchase will reduce your total purchase amount and may result in you not satisfying the minimum purchase amount required. A promo fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For New Accounts: As of 7/16/2024: Purchase APR is 34.99%. Penalty APR is 39.99%; Minimum Interest Charge is $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.

** The McCoy's Credit Card Building Bucks program is automatically available to each McCoy's 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’s Consumer Credit Card account, a cardholder will earn 2 Rewards Points, when choosing the rewards. Purchases for which the cardholder elects financing promotions are not eligible to earn Rewards points. For every 500 Rewards points accumulated ($250 in eligible net card purchases where the cardholder chooses 6% rewards), a $15 Building Bucks Certificate will be issued to the cardholder. Rewards 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 Rewards points balance equals or exceeds 500 Rewards 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’s Consumer 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’s Consumer 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’s Consumer 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.

† To qualify for this offer you must apply and be approved for a new McCoy’s Consumer Credit Card account. 10% discount valid for one in-store purchase with a new McCoy’s Consumer Credit Card and must be asked for at the time of the purchase. Exclusions apply: cannot be combined with any other discount or offers (sale prices, price overrides, bid pricing, or coupons). Limit of one 10% discount per new account. Offer not valid online. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.