The SCRA, why you need to apply your benifits.

The Servicemember’s Civil Relief Act is real, and often overlooked. It may reduce your loan interest amounts as well as wave certain fees. I encourage you to check with every financial institution you have an account with and make sure they know your situation regarding military service.

American Express has waved all of my annual fees, they contact DFAS on their own. Some clarification on who qualifies at this link: amex.

Citibank wants information sent here:


– Your original enlistment papers, specifically forms DD 4/1 and/or DD 4/3
– A copy of your Active Duty papers if you are currently serving on Active Duty in the Reserves
– A Proof of Service letter from your Commanding Officer that includes your original enlistment or Active Duty date and release date
– A Leave and Earning Statement (LES)
– Letter(s) from your recruiter(s) with specific start/stop dates

Send your documentation to:
Military Response Unit
PO Box 790398
St Louis MO 63179

You may also fax this information to: 1-866-533-0503.

You will be notified in writing within 30 days of our receipt of the documentation. We appreciate this opportunity to serve you.


2 thoughts on “The SCRA, why you need to apply your benifits.

  1. TJ says:

    I just got a check out of the blue in the mail for $500 from Chase saying they may or may not have charged me interest on an account that could have possibly qualified under SCRA and here is a gift with apologies for any inconvenience. When we joined the military we applied for SCRA benefits with Chase because we had some accounts with them. We received the benefits and refunded fees and interests. They didn’t specify what account. Odd, but I will never turn down $500.

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