Posted on Apr 9, 2014
LTC Operations Officer (Opso)
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Gov cc
We require every Soldier who travels at least twice a year or are E5 and above to have a Government Credit Card (GOVCC). Is this a good idea or a bad idea? I have seen it work and I have seen it fail miserably. What is your experiences?
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1SG Company First Sergeant
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Well it depends. With all the cutbacks in troop strength, this may be a way to find more people to get rid of!! VERY QUICKLY!!! I am sure it wouldn't take very long after issuing every soldier in the military a credit card to determine that it is a very bad idea. Have you been a company commander Sir (I didn't look at your profile). The ammount of finance issues you will se as a 1SG or commander will tell you first hand that this is a very bad idea.
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LTC Operations Officer (Opso)
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I am currently in my second command. I have had issues with ranks from E4-E6 with being delinquent. First issue is many Soldiers utilize it for food, which is acceptable, BUT.....if they do not remember to transfer funds over in DTS to pay off the card they end up with a bill that they may or may not pay off. Or if DTS voucher is not completed fast enough or paid in time they get late charges. That is $29 each month after the first 30 days and then $80 fee when it goes to collections. So if you pay off the card late but refuse to pay the late fee (and I have had this happen a few times by NCOs) the late fees add up and then the $80 debt collection fee til you are paying $500 for a $29 fee you refused to pay for.

 

But overall it is just a small handful. About 5 at a time, though that may be because not everyone is traveling.

 

Thanks for your thoughts.

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MAJ Robert (Bob) Petrarca
MAJ Robert (Bob) Petrarca
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Apparently the issue & use of gov CCs has changed since I left. CCs were only activated and used for expenses related to AT, school or TDY like a conference, etc. There was no issue with payback because once you filed your travel voucher with expenses and receipts, the CC was paid off and you were given what you were owed after that.
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LTC Operations Officer (Opso)
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Sir, that all depends on your command. My old one had it on at all times. My current one leaves open only for FTUS while the TPUs (Reservist) only during time of travel. Then again if you eat out all the time and put it on your card you can rack up quite a bit of debt!
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MAJ Laurie H.
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Some people also never notice when those things expire, which can put you into an interesting situation when you try to get on a flight that it was supposed to have paid for. 

I'm not speaking from experience or anything...
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LTC Operations Officer (Opso)
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Sounds like it is from experience and that you were not traveling often. They are supposed to send you a new card when it comes up to expire.

 

Do you also have to turn those on and off depending on when you are traveling? We do that in the 412 TEC for TPUs. That is a hassle, but helps prevent misuse during the month as well.

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MAJ Laurie H.
MAJ Laurie H.
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"Supposed to"
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MAJ Laurie H.
MAJ Laurie H.
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My point is that requiring anyone above E5 to have a GOVCC even if they don't travel often is just asking for trouble, whether it's missing the expiration and never getting a new card, abusing the privilege or just unintentional misuse.
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CPT Company Commander
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There is no such thing as "unintentional misuse" you either choose to use it or choose not to, its called discipline.
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SGT Ben Keen
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Good idea on paper, probably a terrible idea in practice.  It would just take one idiot to ruin the entire program.  While I'm sure 99.9% of those who are issued a "GOVCC" would use it correctly, the moment someone uses it incorrectly, the program would be shot down.
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Civil Affairs Specialist
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I believe that it is a good idea; as long as it is well regulated at the unit level. Case in point, I am an APC and I have the ability to turn on and off cards. So all cards are turned off unless they are coming up on a military mission/TDY that the card is needed. THe card is turned off once they have returned. By doing that you greatly reduce the possibility of misuse.
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LTC Jason Strickland
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Good idea - with specific restrictions.  It has worked in the past and can continue to if there are appropriate constraints applied.  You will certainly have some that abuse the privilege, but the overwhelming majority will use is in the intended manner.
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LTC Operations Officer (Opso)
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Sir, how about the portion of Soldiers having to pay off the GOVCC when their voucher is not paid in time to pay off the GOVCC? I know I have Soldiers who do not make enough to pay off the debt with their own money. Do you think that the CBA was a better route for flights?
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LTC Jason Strickland
LTC Jason Strickland
>1 y
The timing of vouchers needs to be corrected - this has ALWAYS been a problem.  I believe we should set up a system where there is a direct deduction from their paycheck, thereby eliminating overdue notices.
Regarding the CBA and flights...unfortunately, I don't have a solution for that.
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MAJ Jim Woods
MAJ Jim Woods
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I like the direct deduction from their pay. Otherwise, I would think it was a bad idea based on the number of soldiers who seem to consistently live beyond their means and are on the mailing lists of collection agencies.
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MAJ(P) G9
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LTC (Join to see) , I don't know the official card policy, but I've had plenty of colleagues who've not had their vouchers paid correctly for months on end and had no consequences to their credit scores as a result of non-payment of the full GTC balance. In CA we are sometimes TDY for duration well in excess of what is normally allowed. My CANCO had issues getting the correct payment for about 4 months while TDY. He didn't pay off the card with his own money, but it never showed on his credit report. I think that is probably one of the few good things about the program.
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CW2 UH-60 Pilot
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My experience from 1980's - 90's where I was a Pilot in Command of a Med-Evac Helicopter, a crew of three ie: one Warrant Co-Pilot and two lower ranking enlisted. We traveled TDY to off military locations constantly and for long periods of time. Back then we Officers were issued a Diners Club CC and the Enlisted could draw a small advance on travel pay. Which didn't cover their Hotel for these trips let alone anything else. My Co-Pilot and I always took money out of our own pockets to cover what ever our soldiers needed. They in turn always paid us back when we returned home and they filed their vouchers for that trip. I fought for and was granted approval for the Enlisted to be issued CC's... a great thing we all thought! But the reality hit hard as Diners Club changed terms and the total amount charged had to be paid in full at the end of each month. If your on a 6 week+ operation this created a huge financial burden for the Enlisted and Officers as well. My enlisted couldn't file a voucher for another 2+ weeks as we were still TDY, their CC bill was due and they just didn't have the money to pay it. Many were hit with late fees (Which we fought) and a tyrant Senior Command even tried to bring charges against them (We fought and won at the 2 Star level). So in close I have mixed feelings on CC's, they can provide good benefits but also bad outcomes especially for those of us that do out of the ordinary missions!
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CPO Arthur Weinberger
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If the soldier is totally responsible; good idea.
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CW2 UH-60 Pilot
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Eons ago.... when I was attached at a displaced Med-Evac Company we were TDY almost constantly in support of various Ops and 24 hour response to a 3 state MAST Mission. Some of these TDY's lasted 90 days or more! As a result I and the other Officers were issued a Govt. CC. My enlisted Medics and Crew Chiefs received a small Cash advance for the know/planned TDY's, nothing for the MAST overnighters. The problem: the small advances were quickly exhausted depending on where we were forced to stay! We the Officers almost always picked up the tab for all our crew and they reimbursed us months later when their Travel Voucher was finally paid. So I'm for a Govt. CC to all, with flexibility so as when on long deployments there will be NO "Balance Due" every 30 days like I/We had and all understand they are ultimately responsible and will be Articled for its misuse!
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Cpl Vic Burk
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Edited >1 y ago
Bad idea. Too many service members are young, first time away from home and have no idea how to handle their finances and may very well abuse the card and get into big trouble.
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SCPO Emergency Management Director
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I think that ultimately the GTCC program is not a "bad" idea. But, it should be an option not a requirement to participate. As long as the member has a credit card and they can cover their travel expenses then they should be good to go. There have been several times where I have chosen to just use my own card.

I have seen failures on both sides, both with the service member and on the program coordinator/travel office side. Kids think that they can get away with using the card for stupid things that have nothing to do with official travel, then carry a balance on the card so they pop a red flag. I have had to fight with the Personnel Office because they want to come down on a Sailor for carrying a balance on their card. Not paying attention to the fact that the Sailor submitted their travel claim within the required 5 days of completion of travel, but the Personnel Office/Travel Office has not approved or dealt with the travel claim for over 30 days.
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MAJ Robert (Bob) Petrarca
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Most Os and SNCOs got a CC which was activated and deactivated as the SM needed to use it, ATs, school, etc
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MSG(P) Michael Warrick
MSG(P) Michael Warrick
>1 y
Every Soldier should have a government travel card I believe
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MAJ Robert (Bob) Petrarca
MAJ Robert (Bob) Petrarca
>1 y
You are correct SFC Warrick. Along with that EVERY issue-ee regardless of rank needs to sign an agreement on the consequences of misusing the card.
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