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Military (SCRA) Benefits

Learn about Military Benefits on your Discover Card

 

What is the SCRA?

The Servicemember's Civil Relief Act (SCRA) provides certain benefits for servicemembers who are called to active duty, so that they may devote their full attention to their duties while their family members experience less stress.

View the benefits offered by Discover to our military servicemembers.

 

How do I request SCRA benefits?

 

Click here to request benefits and upload your documentation online. You will be asked to provide your active duty start and end dates, and provide a copy of the military orders calling the servicemember to military service.

Or you can mail or fax documentation to:

SCRA
PO Box 15185
Wilmington, DE  19850-5185

Fax:  302-395-8544

You will need to send us a copy of the military orders calling the servicemember to military service (or any orders further extending military service). The documentation should include the military service start date and end date (if available). Examples include:

  • Original Enlistment Papers / Enlistment Contract
  • Deployment Orders
  • Leave and Earnings Statement
  • PCS Orders
  • Oath of Office for Officers
  • Roster for National Guard members

Please also provide the following information:

  • Full name, including middle initial
  • Last four numbers of the Discover Card account number(s) to be covered
  • Last four numbers of Social Security Number
  • Last four numbers of Discover Personal Loan or Student Loan account number, if applicable
  • Best contact phone number and best day/time to be reached

 

 

Am I eligible for SCRA benefits?

You are eligible for SCRA benefits if you are a cardmember who is on active duty in one of the allowable military branches, or, if you are a member of the National Guard and you are called to active service.

 

Is my spouse eligible for SCRA benefits?

Under the SCRA, spouses of active duty servicemembers are eligible for benefits if they are jointly liable with the servicemember for the account obligations.  Discover, however, extends benefits to spouses and domestic partners of active duty servicemembers, even if the servicemember is not jointly liable for the Discover Card account.

 

What branches of the military are eligible for SCRA benefits?

SCRA benefits are available to active duty members of the branches listed below:

  • Army (including Army reserves)
  • Navy (including Navy reserves)
  • Marine Corps (including Marine Corps reserves)
  • Air Force (including Air Force reserves)
  • Coast Guard (including Coast Guard reserves)
  • National Guard
  • Commissioned Officers of the U.S. Public Health Service
  • Commissioned Officers of the National Oceanic and Atmospheric Administration

 

What benefits do I receive under the SCRA?

The interest rate charged on your entire balance will be lowered to 5.9% fixed rate on purchases and cash advances. If you have any promotional rates on the account that are lower than 5.9% fixed, they will remain in effect until the promotion expires. Upon expiration, the balance will move to 5.9% fixed APR during the period of SCRA benefit coverage.

A monthly minimum payment is still required, however you will not be charged any late fees during the time that your account is protected under SCRA benefits. We may continue to report late payments to credit bureaus. You can Make a Payment or sign up for automatic payments using DirectPay to make the payment process easier.

 

When should I request coverage?

You may submit your request for coverage anytime, up to 180 days after the date of the servicemember’s termination or release from military service.

 

How long does coverage apply?

Coverage will apply for the duration of the active duty period, and will be applied retroactively to the active duty start date.

 

I received a letter from Discover that my SCRA benefits will be ending soon, but I'm still on active duty. How do I get my existing benefits extended?

You can extend your SCRA coverage by submitting updated military orders by mail or fax to:

SCRA
PO Box 15185
Wilmington, DE  19850-5185

Fax:  302-395-8544

You will need to send us a copy of the military orders calling the servicemember to military service (or any orders further extending military service). The documentation should include the military service start date and end date (if available). Examples include:

  • Original Enlistment Papers / Enlistment Contract
  • Deployment Orders
  • Leave and Earnings Statement
  • PCS Orders
  • Oath of Office for Officers
  • Roster for National Guard members

Please also provide the following information:

  • Full name, including middle initial
  • Last four numbers of the Discover Card account number(s) to be covered
  • Last four numbers of Social Security Number
  • Last four numbers of Discover Personal Loan or Student Loan account number, if applicable
  • Best contact phone number and best day/time to be reached

 

I am enrolled in Discover Payment Protection, are there any benefits of that product that may apply?

Yes, there are benefits available for military deployment if you are enrolled in Discover Payment Protection.  Please call 1-877-883-1959 to speak to a specialist and activate a benefit today.

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