If you are called to active duty

Your rights under the Servicemembers Civil Relief Act on an account UAS services, and how to claim them.

If you are called to active duty, the Servicemembers Civil Relief Act (SCRA) may reduce what your account costs you. It applies to the credit accounts UAS services — retail installment contracts, retail installment credit agreements, bank installment loans and similar credit products.

The protections apply only to an account you opened before you went on active duty. An agreement signed after your active duty began is not covered.

Who is covered

• Active duty members of the Army, Marine Corps, Navy, Air Force and Coast Guard
• Reserve members serving on active duty
• National Guard members mobilized under federal orders for more than 30 consecutive days
• Active duty commissioned officers of the Public Health Service and NOAA

Some protections extend to dependents. If you think that applies to you, ask — it is looked at case by case.

What you get

Your interest rate is capped at 6%	For the whole period of your military service, and for one year afterwards
It is backdated	To the start date on your orders. Interest you were charged above 6% since then is refunded to you, or put toward your principal — your choice
Your payment is recalculated	We re-amortize the account so your monthly payment drops by the amount of interest forgiven
Fees are waived	All of them, for the protected period
Your property is protected	We cannot cancel or accelerate the agreement, or repossess property, during your service without a court order

You still need to make your monthly payments. SCRA lowers what you owe; it does not pause it.

Asking for SCRA protection cannot be held against you. We will not deny you credit, revoke credit, or change your terms because you claimed your rights under the Act.

How to claim it

1. Write to us

   A written request is required. A letter, or an email, saying you are on active duty and asking for SCRA protection on your account.

2. Send a copy of your orders

   Your enlistment orders, or the military orders calling you to active duty. A letter from your commanding officer with your full name and enough detail to identify you also works.

3. We apply it, backdated

   To the start date on your orders — the date the notice was provided, for National Guard and Reserve members.

Contact us

Have your Account Number and your orders to hand. We will tell you where to send them.

When you can ask

Any time during your active duty service, and up to 180 days after you are released or your service ends. That deadline is real, so do not leave it. Within it, asking later costs you nothing — the rate reduction is backdated to the start date on your orders either way.

If someone is handling this for you

Anyone holding a valid power of attorney for you can exercise these rights on your behalf. That is often the practical route during a deployment.

This page covers accounts UAS services. Other creditors have their own processes, and federal student loans have separate military benefits that are not administered here. The CFPB’s servicemember pages cover the wider picture.