Overview

Capital One provides SCRA benefits on credit cards and auto loans. They have a streamlined process through their customer service line.

Contact Information
Customer Service
1-800-227-4825
Mailing Address
Capital One
Attn: SCRA Department
P.O. Box 30285
Salt Lake City, UT 84130

Eligible Products

Capital One offers SCRA benefits on the following products when the account was opened before your active duty service began:

  • Credit Cards: All Capital One credit cards
  • Auto Loans: Capital One Auto Finance loans

How to File Your Claim

  1. 1

    Call Capital One

    Contact customer service and ask for SCRA benefits.

  2. 2

    Submit Military Orders

    Fax or mail copies of your orders.

  3. 3

    Confirm Processing

    Verify rate reduction on your statement.

Required Documents

Document Checklist
Military Orders — Showing active duty start date
Account Numbers — All Capital One accounts

Processing Time

Capital One typically processes SCRA requests within 30 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, Capital One will calculate all excess interest paid since your service start date and issue a refund, typically as a statement credit or check.

Tips for Success

Pro Tips
  • Capital One generally processes requests quickly
  • Ask about retroactive refunds explicitly

Get the 6% Rate Cap — We File for You

We handle the paperwork, calls, and follow-ups. One $59 filing covers Capital One and all your other lenders.