Overview

Citi offers SCRA benefits on their credit cards, mortgages, and personal loans. They have a dedicated SCRA unit for processing requests.

Contact Information
Customer Service
1-800-950-5114
Fax
1-866-638-4249
Mailing Address
Citibank
Attn: SCRA Unit
P.O. Box 6500
Sioux Falls, SD 57117

Eligible Products

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

  • Credit Cards: All Citi consumer credit cards
  • Mortgages: Home loans through CitiMortgage
  • Personal Loans: Citi personal loans

How to File Your Claim

  1. 1

    Call Citi Customer Service

    Request transfer to the SCRA unit.

  2. 2

    Submit Orders

    Fax or mail your military orders.

  3. 3

    Confirm Processing

    Follow up after 30 days if needed.

Required Documents

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

Processing Time

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

Retroactive refunds: If approved, Citi 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
  • Ask specifically for the SCRA unit when calling
  • Keep confirmation numbers from all calls

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