Everything You Need to Claim SCRA Benefits from Chase

Chase is one of the largest credit card issuers and lenders in the country—and one of the most common targets for SCRA claims. If you have a Chase credit card, auto loan, or mortgage that you opened before active duty, you're entitled to a 6% interest rate cap and a refund of any excess interest paid.

Here's your complete guide to claiming what you're owed from Chase.

Chase SCRA Contact Information (2026)

Chase Military Services:

  • Phone: 1-877-469-0110 (dedicated military line)
  • Hours: Monday-Friday, 8 AM - 8 PM ET
  • Fax: 1-877-262-1596
  • Mail: Chase Military Services, P.O. Box 183011, Columbus, OH 43218-3011

When calling, specifically ask for the "SCRA department" or "Military Services." General customer service reps often don't know how to process SCRA requests.

Documents You'll Need

Chase requires the following to process your SCRA claim:

  1. Military orders showing your active duty start date (DD-214, deployment orders, or activation orders)
  2. Leave and Earnings Statement (LES) showing current active duty status
  3. Written SCRA request stating you want the 6% rate cap applied retroactively
  4. Account numbers for all Chase accounts you want covered

Pro tip: Include ALL Chase accounts in one request—credit cards, auto loans, mortgages, and personal loans. They'll process everything together.

What Chase Credit Cards Qualify

Any Chase credit card opened before your active duty start date qualifies, including:

  • Chase Sapphire Preferred and Reserve
  • Chase Freedom, Freedom Flex, and Freedom Unlimited
  • Chase Ink Business cards (if personally liable)
  • Amazon Prime Visa
  • Southwest, United, and other co-branded cards
  • Chase Slate and other basic cards

Even cards with 0% intro APR qualify—when the promo rate ends, it will cap at 6% instead of the regular rate.

Chase SCRA Processing Timeline

Based on our data from thousands of Chase SCRA claims:

  • Initial acknowledgment: 5-7 business days
  • Rate reduction applied: 15-30 days
  • Retroactive refund issued: 30-45 days

Chase is generally one of the faster lenders to process SCRA claims. If you haven't heard anything after 30 days, call to follow up.

How Much Will You Get Back?

Chase will calculate and refund all interest charged above 6% since your active duty start date. Example:

  • Credit card balance: $8,000 average
  • Original APR: 21.99%
  • SCRA APR: 6%
  • Excess rate: 15.99%
  • Monthly overpayment: ~$107
  • 1-year refund: ~$1,280

The refund is typically issued as a statement credit or check, depending on account status.

Common Issues with Chase SCRA Claims

"We need additional documentation"

Chase sometimes asks for redundant documents. Provide what they request, but push back politely if demands seem excessive. Your orders and LES should be sufficient.

"The account doesn't qualify"

This usually means Chase can't verify the account was opened before active duty. Provide your account opening date (visible on old statements or credit reports) and your active duty start date.

"We can only apply this going forward"

This is incorrect. SCRA explicitly allows retroactive application. Cite 50 U.S.C. § 3937 and request a supervisor if the rep insists otherwise.

What If Chase Denies Your Claim?

If Chase denies your SCRA request:

  1. Request the denial in writing with a specific explanation
  2. Review the denial reason and gather additional documentation
  3. Submit an appeal to Chase Military Services
  4. If Chase still refuses, file a complaint with the Consumer Financial Protection Bureau (CFPB)
  5. Contact your installation's legal assistance office for help

CFPB complaints against Chase for SCRA violations are taken seriously. Chase has paid millions in settlements for SCRA non-compliance in the past.

Chase Sapphire and Annual Fees

Here's a bonus many service members don't know: Chase often waives annual fees for active duty military on premium cards like Sapphire Reserve. This isn't technically SCRA (it's a Chase policy), but ask when you call. The $550 Sapphire Reserve annual fee waiver is significant.

Get Your Chase SCRA Benefits Now

Every month you wait is money you're leaving with Chase instead of keeping for yourself. The process is straightforward:

  1. Call 1-877-469-0110
  2. Fax or mail your orders, LES, and written request
  3. Follow up in 30 days if needed
  4. Receive your rate reduction and refund

Or use SCRA Saver to handle the paperwork, follow-ups, and any complications. Either way—claim what's yours.