Posted on Jul 28, 2019
SPC(P) Wheeled Vehicle Mechanic
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Is my active duty status during 3 weeks of annual training eligible for claiming SCRA benefits with credit cards like American express Platinum ? I have been trying to get this benefit while I’m in AT. However, the credit cards companies are not able to verify my active duty status during AT. I tried to look up using https://scra.dmdc.osd.mil/scra/ But didn’t work. Does anyone have idea how to request SCRA benefit applied to credit card while on AT ?
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Capt Daniel Goodman
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Edited 5 y ago
https://www.americanexpress.com/us/help/service-members-civil-relief.html

And this...there are phones listed on the page...ask for a supervisor or manager, ask for all names and/or IDs so you can call them back, ask to have a case number set up if possible, and also ask all three Congress mil/vet local office staffs, filing Privacy Act (PA) requests online, sign and date the prinouts, send them in to all three Congres mil/vet staff groups, and explain the whole thing to them...honestly, those are my best ideas, at least for the moment, OK?
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Capt Daniel Goodman
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SFC Retention Operations Nco
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Your AT isn't covered because it isn't 30 days or longer.

Straight out their FAQs


In order to be considered for SCRA coverage a Title 32 member must be called "...to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under section 502(f) of title 32, United States Code, for purposes of responding to a national emergency declared by the President and supported by Federal funds. "
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SGT Javier Silva
SGT Javier Silva
5 y
SFC (Join to see) The Soldier is, according to his RP profile, Reserves. This falls under Title 10, not Title 32.
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SFC Retention Operations Nco
SFC (Join to see)
5 y
SGT Javier Silva in that case, he's only covered from the time he receives his orders to the end date of AD
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Verify active duty status during AT for reservist ?
Capt Daniel Goodman
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PFC Small Arms Repairer
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Not really!
You need to get an order which put you on Active Duty. For example, if you get deployed, you’ll receive an order, and at that time you can use that to get scra benefits.
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SFC Melvin Brandenburg
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The reserves and guard are funded through title 32 but active duty through title 10. Technically you are under active duty but not exactly. That may be why you're having trouble getting verified.
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SGT Javier Silva
SGT Javier Silva
5 y
SFC Melvin Brandenburg The National Guard is title 32 (state funded with federal dollars). The Reserves is always Title 10 (federal funds), as they are not a state program.

SPC(P) (Join to see) Make the SCRA request in writing. A letter containing the following is usually key:

1) account number, 2) start date of active-duty service, 3) a request for a reduction in interest rate pursuant to the SCRA, and 4) a copy of active-duty orders (orders can be easily verified).
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SPC(P) Wheeled Vehicle Mechanic
SPC(P) (Join to see)
5 y
SGT Javier Silva I’m using the card’s SCRA request system. I submitted the order, commander’s memo, annex with my name on it. However, I keep getting letter of not able to verify. With Amex, I cant reallly talk to the back office to see what actually they want. I will keep trying.
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SGT Javier Silva
SGT Javier Silva
5 y
SPC(P) (Join to see) - Are they asking for anything in that letter?
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Capt Daniel Goodman
Capt Daniel Goodman
5 y
Read the stuff I'd sent in, try it that way, see if it all does any good, I'd be curious if you'd get anywhere that way, no rush, just wondered....
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