MLA Waiver Working For Chase

I am working on getting Chase Private Client right now in order to apply for my own CSR despite being well above 5/24. I am going to use this link here in order to toss some points to my buddy. This is the perfect time as I want to be the first MLA waived CSR since this card has been applied for after the 20 Sept 2017 cut off for a sweet $300 travel credit from Chase every year. If I can pull this off I can get my wife her own CSR also waived via MLA, and I can cancel my mom’s CSR.

There have been two confirmed successful MLA waiver comes from a fellow O-4 reader that got his $450 Ritz-Carlton Chase card waived when applied for in October. See above for the secure message response for the Ritz Card. Then my wife applied the MLA to her British Airways Chase card she got on 24 Sept 2017.  Here is Chase’s response:

Hello Mrs. Dr. Derp

Thank you for contacting us. We appreciate the opportunity
to provide you with additional information.

We are dedicated to supporting our Military members and
appreciate your inquiry. The Military Lending Act (MLA)
provides protections to Servicemembers and their
dependents at the time they originate their credit card or
auto refinance loan with Chase. MLA benefits include
limiting interest to 36% and waiving qualifying fees.

After reviewing your account ending in XXXX, it was
determined at origination on September 24, 2017, that your
account met the requirements for MLA benefits.

The requirements to qualify for MLA are as follows:

– Account must have originated on or after September 20,
2017, for credit cards accounts.
– Account must have originated on or after October 3,
2016, for auto customers.
– The customer must be identified in their credit report
as a “covered borrower” which includes the following:
– Active duty members of the U.S. Armed Forces serving on
active duty pursuant to Title 10 for a period of more than
30 days
– Members of reserve components of the U.S. Armed Forces
serving on active duty pursuant to Title 10 for a period
of more than 30 days
– National Guard personnel if they are called to
qualifying active duty for a period of more than 30
consecutive days
– Members serving on Active Guard and Reserve (AGR) duty
for a period of at least 180 consecutive days
– Dependents of eligible Servicemembers, including
spouses, un-remarried widows, children, dependent parents
and other financial dependents.

In addition, we have completed our review of your
account(s) for Servicemember Civil Relief Act (SCRA)
benefits and have attached your decision letter(s) to this
email. We also mailed the letter(s) to your mailing
address on file.

If you’d like to speak with a specialist in Chase Military
Services, please call us at 1-877-469-0110. When overseas,
you may call us collect at 1-318-340-3308. The hours are
Monday through Friday from 8 a.m. to midnight and Saturday
from 8 a.m. to 8 p.m. Eastern Time. You can also send us
an email through our secure message center at

For information about additional benefits we offer to
active Servicemembers or veterans, please visit

Thanks again for being in touch. We’re here to help
anytime and are committed to meeting your needs.

Best regards,

Erion Harris
1-800-582-0542 TTY/Text Telephone

It does not specify mention what fees are qualified to be waived, but no annual fee was charged on her account. I have one O-3 applying for the CSR right now so that will be the datapoint I want to see! Please use the link below to apply, and let me know if the MLA works!

Wish me luck!


12 thoughts on “MLA Waiver Working For Chase

  1. […] MLA Waiver Working For Chase […]

  2. David Melendez says:


    Are you allowed to cancel a card and re-open immediately after or is there a time period you should wait to avoid it looking fishy? Just paid my annual fee for the CSR and was going to cancel after I use my travel credit in the new calendar year.

    Thanks for doing all this research!

    • uiucderp2011 says:

      Well, there is really no point to close the CSR early, you paid for the entire year, might as well use it to earn some UR points. The timer starts 24 months form getting the bonus so you will NOT be able to get another Sapphire product again until 24 months from getting a bonus from a Sapphire Product.

  3. Chuck says:

    Have you been able to find any official information that ties MLA to the origination date of the credit card account? The 03OCT effective date of the credit card provision appears to be the hard line that issuers are following. I submitted a CFPB complaint to both Barclays (for the Gold Card) and Chase for the CSR, both came back as “sorry, your account was opened prior to 03OCT.” Also, what are your thoughts on applicability of MLA to the Gold Card? The annual fee is definitely excessive, in comparison to competitors products.

    • uiucderp2011 says:

      Yes to make sure the MLA is applied the card has to be opened after 03 October 2017. Now I know Chase and Bank of America have picked 20 Sept 2017 for their inclusion dates. Presumably to be above reproach. I will apply for the gold card again once my SCRA waiver expires. I intend to close the current account and apply for it again.


    • uiucderp2011 says:

      According to several sources like DoC, Barclay specifically will not waive the annual fees per MLA. Even though I don’t know how they can justify a $995 annual fee!

  4. […] Chase Private Client Does Not Give You Snowflake Status | The Derp Report on MLA Waiver Working For Chase […]

  5. RWHR says:

    My wife and I both got our Chase Freedom(CF) credit cards in around 2012. I went on Active Duty in 2015. Early last year I asked chase to apply SCRA benefits applied to my CF card. In June 2017 I upgraded my CF to the CSR. It kept the same card number and everything. I’m assuming it also thought i had the CSR since 2012 (before i was active duty), so the $450 annual fee was waived for me since I upgraded.

    I just had them apply SCRA benefits to my wife’s CF and i’m wondering if i’ll be able to do the same thing for her. I don’t see why not but I wasn’t sure if things are different for spouses in regards to the older SCRA benefits. I know with the MLA (cards applied for after Sept 2017) benefits they are generously applied to spouses.

    Does anyone have any experience upgrading a spouses older card that she had before you went on active duty and getting the benefits?

    Of note, i would apply for the CSR but we are way over 5/24 so thats why I did the upgrade on my card and would like to do it on my wife’s as well to get the free $300 annual travel credit.

    Any experience would be greatly appreciated. If no one has done it, i will have her call in and try and upgrade and post the results here afterwards.

    • uiucderp2011 says:

      The SCRA had never covered spouses as far as I know. The MLA has been the only thing that has extended to Chase cards for spouses. Please keep us posted!

  6. Kris says:

    Long time reader, first time poster. Thank you for everything. Question: I am now lol/24 but I’ve had a Chase Freedom since 2012 (been active duty since 2010). If I upgrade my Chase Freedom to the CSR would the annual fee be waived under MLA? Thank you.

    • uiucderp2011 says:

      Your annual fee will not be waived because it was opened after you joined but before the MLA took place in October 2017. Your best bet is to go on a credit card fast for two years and only hit AmEx biz cards. Then hit chase.

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