What is SCRA?

The Servicemembers Civil Relief Act (SCRA) is a federal statute that provides financial relief and protections to eligible military personnel serving on active duty. The goal of the SCRA is to enable those actively serving in the military to devote their energy to the defense of our country by relieving them from the distraction of certain civil matters.
 

The SCRA provides an interest rate of no more than 6% on all eligible loans and credit products. Payments are still required on accounts enrolled in SCRA benefits. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.
 

For Discover accounts, Discover's SCRA Program offers an interest rate of no more than 4% on eligible accounts. Also, late payment, returned check and other certain fee types are not assessed. If applicable, a check for retroactive SCRA adjustments may be sent to the address on the account.


Who is eligible for SCRA benefits?


Servicemembers serving on active duty with one of the following branches:

 

  • Army, Navy, Air Force (including Space Force), Marine Corps, and Coast Guard
  • Army, Navy, Air Force (including Space Force), Marine Corps, and Coast Guard reserves
  • Army or Air National Guard
  • Commissioned officers of the National Oceanic and Atmospheric Administration
  • Commissioned officers of the Public Health Service
  • U.S. citizens who are members of an allied nation’s military service
  • Spouses and dependents of active duty Servicemembers listed above

 

There are several ways to apply for benefits.

 

  • Online– Click 'Request Benefits Now'
  • Phone– Call 1-844-DFS-4MIL (1-844-337-4645). If you are overseas, call 1-801-451-3730.
  • Mail– Discover Attn: SCRA Department P.O. Box 30907 Salt Lake City, UT 84130-0907
  • Fax– Attn: SCRA Department 1-224-813-5767
     

* Discover is now a part of Capital One, N.A. Servicemember benefit requests received by Discover will be reviewed for eligibility of Discover products only. If you have Capital One accounts, including Discover by Capital One credit card accounts, that you would like reviewed for SCRA eligibility, please contact Capital One's 24/7 Military Support team at 1-855-227-1645. Requests may also be made online at https://www.capitalone.com/military

Discover will check the Defense Manpower Data Center (DMDC) website to determine eligibility. Managed by the Department of Defense, the DMDC is a public database that provides active duty status information. If we are unable to verify eligibility, we will send you a written request to obtain a copy of acceptable military documents.

 

Questions about Payment Protection?

 

If the account is enrolled in Discover Payment Protection, you may be eligible to pause your monthly payments, interest charges, late fees and Payment Protection fees. Please call 1-800-290-9895 to speak to a specialist about pausing your payments today.

 

Questions about servicemember benefits?

 

If you have any questions about servicemember benefits, see Military (SCRA) Benefits FAQs or knowledgeable agents are available to assist you at 1-844-DFS-4MIL (1-844-337-4645). If you are overseas, you may call us at 1-801-451-3730. Our dedicated agents are ready to assist you 24 hours a day, 7 days a week.

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