Overview

Discover offers SCRA benefits on credit cards, personal loans, and student loans. They have a straightforward process through their customer service line.

Contact Information
Customer Service
1-800-347-2683
Fax
1-224-813-5217
Mailing Address
Discover Financial Services
Attn: SCRA
P.O. Box 30943
Salt Lake City, UT 84130

Eligible Products

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

  • Credit Cards: All Discover credit cards
  • Personal Loans: Discover personal loans
  • Student Loans: Discover student loans

How to File Your Claim

  1. 1

    Call Discover

    Contact customer service and request SCRA benefits.

  2. 2

    Submit Orders

    Fax or mail your military 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 Discover accounts

Processing Time

Discover typically processes SCRA requests within 21-30 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, Discover 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
  • Discover includes student loans under SCRA
  • One request can cover multiple product types

Get the 6% Rate Cap — We File for You

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