Whether you’re planning a large re-model, dealing with the unexpected expense of a broken water heater or just ready to tackle a new DIY project, financing with the McCoy’s Consumer Credit Card can give you the power to purchase what you need, when you need it. You can easily apply for the card in any of our stores or you can apply right now online.
The McCoy’s Consumer Credit Card delivers valuable benefits:
Click here to access your account information or make a payment to Synchrony Bank online.
Contact Synchrony Bank’s Customer Service department toll-free at (800) 250-5411.
*Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 Months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. Any discount, coupon, manufacturer rebate, or other promotional offer applied at time of purchase, will reduce your total purchase amount and may result in you not satisfying the minimum qualifying purchase amount required.
† Subject to credit approval. Valid for new consumers accounts only. Exclusions apply. Cannot be combined with any other discount pricing or offers (sale prices, price overrides, bid pricing, or coupons). One time use on customer account.
** The McCoy 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 Building Bucks Points, when choosing the rewards. Purchases for which the cardholder elects financing promotions are not eligible to earn Building Bucks points. 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’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.