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SCRA


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#1 dc_ennis21

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Posted 18 February 2012 - 11:18 PM

This maybe already answered but I was wondering if I got a credit card while on active duty status does my SCRA benefits still apply. I have 4 credit cards and 3 of 4 honored the SCRA, but 1 of them just sent me a letter stating that since the card was opened while on active duty status the SCRA benefits don't apply. Can they do this or do I have a legit complaint?
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#2 johnnyderp

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Posted 19 February 2012 - 12:10 PM

This maybe already answered but I was wondering if I got a credit card while on active duty status does my SCRA benefits still apply. I have 4 credit cards and 3 of 4 honored the SCRA, but 1 of them just sent me a letter stating that since the card was opened while on active duty status the SCRA benefits don't apply. Can they do this or do I have a legit complaint?


What they said is true. SCRA applies to debts incurred before active duty. Some lenders still drop your rates just to be pro-military but they have no obligation to do so.

You could look into a 0% BT card if you are trying to save on interest... maybe with NFCU? Are you still AD?
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