Military Servicemembers Civil Relief Act

Star with circle around it and SCRA Benefits text
What is SCRA?

SCRA or Servicemembers Civil Relief Act is a national law providing interest rate relief and other protections to eligible, active duty military and other official personnel.

Comenity Bank and Comenity Capital Bank are committed to providing our eligible Servicemembers benefits and protections pursuant to the SCRA.

SCRA's primary benefit to eligible Servicemembers includes offering an interest rate of no more than 6% on accounts owned and serviced by Comenity.

Star with circle around it and SCRA Benefits text
What is SCRA?

SCRA or Servicemembers Civil Relief Act is a national law providing interest rate relief and other protections to eligible, active duty military and other official personnel.

Comenity Bank and Comenity Capital Bank are committed to providing our eligible Servicemembers benefits and protections pursuant to the SCRA.

SCRA's primary benefit to eligible Servicemembers includes offering an interest rate of no more than 6% on accounts owned and serviced by Comenity.

Check mark with circle around it and Program Eligibility text
Am I eligible for SCRA financial benefits?
You may be eligible for benefits and protections on your Comenity credit card account(s) if you are a/an:
  • Active duty member of the Army, Navy, Air Force, Marine Corps or Coast Guard

  • Army, Navy, Air Force, Marine Corp or Coast Guard reservist serving on active duty

  • National Guard member in qualifying active service

  • Commissioned officer of the National Oceanic & Atmospheric Administration and Public Health Service on active service

Check mark with circle around it and Program Eligibility text
Am I eligible for SCRA financial benefits?
You may be eligible for benefits and protections on your Comenity credit card account(s) if you are a/an:
  • Active duty member of the Army, Navy, Air Force, Marine Corps or Coast Guard

  • Army, Navy, Air Force, Marine Corp or Coast Guard reservist serving on active duty

  • National Guard member in qualifying active service

  • Commissioned officer of the National Oceanic & Atmospheric Administration and Public Health Service on active service

Outline of paper and pencil with Request Benefits text
How do I request SCRA benefits?

SCRA benefits may be requested as soon as you receive active duty orders, but you must request SCRA benefits no later than 180 days following the end of your active duty period.

You may choose whichever of the following options is most convenient for you:

  • Mail

    Mail your written request along with your active duty orders or a letter from your commanding officer on official letterhead showing your active duty period(s) to:


    Comenity

    Attn: SCRA Request

    PO Box 182273

    Columbus, Ohio 43218-2273

  • Call or Fax

    Make your request by phone: 1-855-463-0222

    Monday-Friday

    8:00 a.m. – 8:00 p.m. ET

    Voicemail available after hours

    Closed holidays


    Fax your written request: 614-729-3117

    You must include your active duty orders or a letter from your commanding officer on official letterhead showing your active duty period(s).

  • Online

    Registered cardmembers can contact Customer Care about SCRA benefits via Account Center's Secure Message Center. Customer Care representatives will reply within 48 hours with additional information. Not yet registered? Register now.

Outline of paper and pencil with Request Benefits text
How do I request SCRA benefits?

SCRA benefits may be requested as soon as you receive active duty orders, but you must request SCRA benefits no later than 180 days following the end of your active duty period.

You may choose whichever of the following options is most convenient for you:

  • Mail

    Mail your written request along with your active duty orders or a letter from your commanding officer on official letterhead showing your active duty period(s) to:


    Comenity

    Attn: SCRA Request

    PO Box 182273

    Columbus, Ohio 43218-2273

  • Call or Fax

    Make your request by phone: 1-855-463-0222

    Monday-Friday

    8:00 a.m. – 8:00 p.m. ET

    Voicemail available after hours

    Closed holidays


    Fax your written request: 614-729-3117

    You must include your active duty orders or a letter from your commanding officer on official letterhead showing your active duty period(s).

  • Online

    Registered cardmembers can contact Customer Care about SCRA benefits via Account Center's Secure Message Center. Customer Care representatives will reply within 48 hours with additional information. Not yet registered? Register now.

Access Secure Message Center

FAQs

  • Why did the government enact SCRA (Servicemembers Civil Relief Act)?
    SCRA is designed to offer relief and assistance to active duty military and other official personnel so they can devote their full attention and efforts to duty.
  • What are the benefits?
    With SCRA, eligible, active duty Servicemembers receive an interest rate of no more than 6% on eligible credit cards.
  • I'm receiving SCRA benefits. Should I still make my monthly credit card payment?
    Yes, it is important to keep your account in good standing, so please continue to make your monthly payment as usual. Your payment history will be reflected on your credit bureau report.
  • When do my SCRA benefits start and end?
    If eligible, your SCRA benefits are retroactive to your active duty start or order-to date. You will remain eligible for SCRA benefits until your active duty end date. You will be notified by mail at least 45 days before your SCRA benefits end.
  • Why was I asked to send additional information?
    Generally, a request for additional information means that we couldn't verify your active duty status with the information provided. We want to help determine your eligibility so please refer to the request and provide the necessary information, or call us with any questions.
    • First, middle and last name
    • Social Security number
    • Branch of service
    • Active duty orders or a letter from your commanding officer on official letterhead showing your active duty period(s)
  • Why was I denied SCRA benefits?
    Only eligible, active duty Servicemembers may receive SCRA benefits. If you were denied, it may be due to one or more of the following reasons, however, please refer to your denial letter for your specific reason(s):
    • Your credit card account was opened after your active duty start date
    • Your active duty period ended more than 180 days before you requested SCRA benefits
    • You are an authorized buyer and not the primary cardmember or joint account holder
  • Where can I find more information about SCRA?
    The U.S. Department of Defense makes SCRA information, resources and other topics related to military life available online at: militaryonesource.mil.