Overview

Chase is one of the largest banks in the US and offers SCRA benefits on credit cards, mortgages, auto loans, and home equity lines of credit. They have a dedicated Military Services team and offer both online and phone submission options.

Contact Information
Military Services Line
1-877-469-0110
Email
military.services@chase.com
Mailing Address
Chase Military Services, P.O. Box 659754, San Antonio, TX 78265-9754

Eligible Products

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

  • Credit Cards: All Chase consumer credit cards (Sapphire, Freedom, Slate, etc.)
  • Mortgages: Primary residence mortgages originated before service
  • Auto Loans: Vehicle loans through Chase Auto Finance
  • Home Equity: HELOCs and home equity loans
  • Personal Loans: Unsecured personal loans

How to File Your Claim

  1. 1

    Gather Your Documents

    Collect your military orders showing active duty start date. You'll also need your Chase account numbers.

  2. 2

    Contact Chase Military Services

    Call 1-877-469-0110 or log into chase.com and navigate to the Military Benefits section under Customer Service.

  3. 3

    Submit Your Request

    Complete the SCRA benefits request form. Upload or fax copies of your military orders. For multiple products, one request covers all Chase accounts.

  4. 4

    Track & Verify

    Chase typically processes requests within 30 days. Check your statements to confirm the 6% rate is applied and any retroactive refund is issued.

Required Documents

Document Checklist
Military Orders — Showing active duty start date
Account Numbers — For all Chase accounts requesting benefits
Contact Information — Current mailing address and phone number

Processing Time

Chase typically processes SCRA requests within 30 days. During high-volume periods (PCS season, deployment cycles), processing may take up to 45 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, Chase 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
  • Submit for all Chase accounts at once—one request covers credit cards, mortgages, and loans
  • Keep a copy of your submission confirmation for your records
  • If calling, ask for a case number to reference in follow-ups
  • Check your statements 30-45 days after submission to verify the rate change
  • If you don't see a refund, call and specifically ask about retroactive interest

Common Issues

Rate not reduced after 30 days

Call the Military Services line and reference your case number. Ask them to check the status and provide an estimated completion date.

Retroactive refund missing

Some Chase accounts require a specific request for retroactive refunds. Call and explicitly ask for all excess interest to be refunded from your service start date.

Account opened after service start date

SCRA doesn't apply to accounts opened after you began active duty. However, other military benefits (like fee waivers) may still be available—ask about those.

Let Us Handle Your Chase Claim

SCRA Saver automates the entire process—we submit claims to Chase and all your other lenders.

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