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Charleston Chapter – MOAA
Date Posted:08/13/19
This Story Expires on: 10/31/19
New 'Bombshell' Legal Opinion Says Military Retirees Can't Be Court Martialed

Date Posted:08/13/19
This Story Expires on: 10/31/19
Ralph H. Johnson VA Medical Center

Date Posted:08/07/19
This Story Expires on: 11/30/19
Terminally Ill Military Kids Can Now Receive Both Treatment and Hospice

Date Posted:08/07/19
This Story Expires on: 10/31/19
VA vision care

Date Posted:08/07/19
This Story Expires on: 10/31/19
Advocates plead to keep widow’s tax repeal in military policy measure

Date Posted:08/07/19
This Story Expires on: 10/31/19
Watch: TV News Keeps Fight to End Widows Tax in the Public Eye

Date Posted:08/07/19
This Story Expires on: 10/31/19
Pending law could help vets get treatment at the VA for toxic exposure

Date Posted:08/07/19
This Story Expires on: 11/30/19
Serving after service: How getting involved helped me overcome my fears and rediscover myself

Date Posted:08/06/19
This Story Expires on: 10/31/19
Pin Ups For Vets unveils 2020 calendar

Date Posted:08/06/19
This Story Expires on: 10/31/19
The first underwater veterans memorial is open for divers

Date Posted:07/30/19
This Story Expires on: 09/30/19
Tricare Rates Increasing in 2020 for Reservists, Young Adults, Others

Date Posted:07/25/19
This Story Expires on: 09/30/19
Esper creates task force to deal with cancer causing chemicals on military installations

Date Posted:07/25/19
This Story Expires on: 09/30/19
Here’s how 3 million more people will get military shopping benefits

Date Posted:07/25/19
This Story Expires on: 09/30/19
Google Expands Support for Veterans Looking to Compete in Fast Paced Startups

Date Posted:07/25/19
This Story Expires on: 09/30/19
Bill to Increase Adaptive Housing Grants for Wounded Vets Passes House

Date Posted:07/25/19
This Story Expires on: 09/30/19
New Law Will Allow Thousands More Veterans to Join American Legion

Date Posted:07/18/19
This Story Expires on: 10/31/19
CHAMPVA Recipients Can Now Get Prescriptions Online from the VA

Date Posted:07/18/19
This Story Expires on: 09/30/19
5 Entrepreneur Tips from 'Shark Tank' Navy SEAL

Date Posted:07/10/19
This Story Expires on: 09/29/19
Here's How Much the 'Salute to America' Flyovers Cost the Military

Date Posted:07/10/19
This Story Expires on: 09/29/19
VA Announces Delay in Processing Blue Water Vietnam Veterans' Claims

Date Posted:07/09/19
This Story Expires on: 10/31/19
VA MISSION Act: Answers to the top five questions about urgent care

Date Posted:07/09/19
This Story Expires on: 09/30/19
VA health care

Date Posted:07/09/19
This Story Expires on: 10/31/19
Pentagon Delays Big Changes to Post 9/11 GI Bill Transfer Rules

Date Posted:07/05/19
This Story Expires on: 09/30/19
Vets, Troops Can Get Free Sports Gear for Their Kids. Here's How.

Date Posted:07/05/19
This Story Expires on: 10/31/19
5 Threats to Your Military Transition and How to Reduce Them

Date Posted:07/05/19
This Story Expires on: 09/30/19
Spouse Professional License Reimbursement Now Offered by All 5 Services

Date Posted:07/05/19
This Story Expires on: 09/30/19
How to Get Free Supplies to Ship Care Packages

Date Posted:07/03/19
This Story Expires on: 09/30/19
Disabled vets could see their student loan debts automatically erased

Date Posted:07/03/19
This Story Expires on: 09/30/19
No Decision Yet From VA on New Agent Orange Presumptive Diseases

Date Posted:07/03/19
This Story Expires on: 09/30/19
Historic Million Veteran Study Could Lead to PTSD Research Breakthrough

Date Posted:07/03/19
This Story Expires on: 12/31/19
5 Ways to Break the Ice When Networking

Date Posted:07/03/19
This Story Expires on: 10/31/19
What About a Franchise? 4 Veteran Friendly Options

7 Affordable Ideas for Military Care Packages

Date Posted:06/29/19
This Story Expires on: 09/30/19
TAP is getting a makeover this year. Here’s what you need to know.

Date Posted:06/27/19
This Story Expires on: 09/30/19
After Decades of Fighting, the Blue Water Navy Benefits Bill Is Now a Law

Date Posted:06/27/19
This Story Expires on: 08/31/19
VA Accepting Applications For New STEM GI Bill Soon

Date Posted:06/26/19
This Story Expires on: 08/31/19
Could the Military 'Widow's Tax' Finally Get Abolished? Here's the Next Hurdle

Date Posted:06/26/19
This Story Expires on: 08/31/19
Trump Touts Mission Act in 'Off the Record' Phone Call with Thousands of Veterans

Date Posted:06/25/19
This Story Expires on: 08/31/19
Making home ownership easier for war wounded veterans

Date Posted:06/22/19
This Story Expires on: 09/30/19
Free App Lets Troops Read to Their Kids at Home

Date Posted:06/12/19
This Story Expires on: 08/31/19
'The Right Thing To Do:' Unclaimed Remains of 19 Veterans Laid to Rest

Date Posted:06/12/19
This Story Expires on: 09/30/19
The Meaning Behind the 13 Folds of Old Glory

Date Posted:06/10/19
This Story Expires on: 09/30/19
The Warning Signs of Suicide and What to Do

Date Posted:06/10/19
This Story Expires on: 08/31/19
Pentagon Effort Underway to Make DD 214 Digitally Accessible, with More Privacy

Date Posted:06/08/19
This Story Expires on: 08/31/19
Here’s why the American flag is reversed on military uniforms

Date Posted:06/05/19
This Story Expires on: 08/31/19
Google launches tools to help military spouses find remote working opportunities

Date Posted:06/04/19
This Story Expires on: 12/31/19
Ralph H. Johnson VA Medical Center

Date Posted:06/03/19
This Story Expires on: 11/16/19
Korean War Vets Eligible for Free Return Tour

Date Posted:05/30/19
This Story Expires on: 08/31/19
Top Ten PCS Don’ts

Date Posted:05/21/19
This Story Expires on: 08/31/19
Free Veteran ID Cards Can Take 6 Months to Process

Date Posted:05/09/19
This Story Expires on: 08/31/19
Are you a 30 minute drive from your nearest VA medical facility? This map will show you

Date Posted:04/19/19
This Story Expires on: 08/31/19
PCS Checklists for Your Move

Date Posted:04/11/19
This Story Expires on: 08/31/19
Cheap Lodging for Military Families

Date Posted:03/31/19
This Story Expires on: 10/30/19
A robot reading your resume? 10 tips for vets to beat job screening software

Date Posted:03/27/19
This Story Expires on: 09/30/19
South Carolina State Veteran Benefits

Date Posted:03/19/19
This Story Expires on: 09/30/19
Here's All the Government Programs that Help Vets with Jobs and Benefits

March 22 Luncheon Meeting

Date Posted:05/05/18
This Story Expires on: 09/30/19
Take the VA's New RAMP to a Faster Appeal Decision

Military Star Card Questions & Answers

US Air Force Museum to Mark 75th Anniversary of Japan Raid

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Military Star Card Questions & Answers




The Exchange Credit Program offers the Military Star card to qualified, authorized military exchange patrons.  Here are a few questions I’ve received about the program:

Is The Military Star Card A Credit Card or A Debit Card?

The Star card is a credit card.

Where Can I Use The Military Star Card?

The Military Star card can be used at any retail outlet that is run by the Army and Air Force Exchange Service (AAFES), Marine Corps Exchange (MCX) or Navy Exchange (NEX).  Depending on your location, this may include the regular exchange stores, gas stations, mini-marts/shoppettes/Class Six stores, food courts, and separate uniform shops.  If you have a mini-mall, you may be able to use your Military Star card at some retailers, but be sure to ask because the details can vary a lot.

The Military Star card program used to include the option of a MasterCard branded Military Star card that could be used anywhere.  The relationship between the Military Star card and the Chase Mastercard program ended 30 September 2015.

Will My Command Be Notified If I’m Late With My Payment?

Possibly.  The Military Star card is part of the military exchange program, and so it acts differently than regular credit cards.  If you exceed your credit limit or do not pay your bill as required, your command may be notified, your pay may be garnished, and/or your income tax return may be seized.

In theory, none of these things would happen until the Exchange Credit Program had made a good faith effort to contact you, but I have heard numerous reports of these things happening over very small balances that the customer didn’t even know they had.

Does The Military Star Card Have Deployment Benefits?

Yes.  The Military Star card will suspend minimum monthly payments during your deployment, and lower your interest rate to 6%.  Interest will continue to accrue during your deployment, so the suspended minimum monthly payments aren’t really a very good idea, but the lower interest rate can help you pay off your balance.

This does not happen automatically.  You must submit the appropriate paperwork and receive notification that your account has been put into deployment status.  Do not assume it has happened without being notified, and always keep copies of all correspondence.

What Is The Interest Rate?

If you’re making a regular purchase, the interest rate is 10.49%. Whether this is a good rate depends on your other options. It is exceptionally low for a store credit card, but just barely competitive compared to the many excellent Visa and MasterCard products offered by companies like USAA, Pentagon Federal Credit Union, and Navy Federal Credit Union.  Special interest rates may apply to promotional sales.

One unique feature of the Military Star card is that it offers 0% interest on eligible military clothing (uniform) purchases. Unfortunately, this option is only available to Marine Corps, Army, and Air Force patrons, and there may be restrictions.

If you do not comply with the terms of the card, you will be subject to the penalty interest rate of 18.49%.

Is It A Good Card?

Again, this depends on your other options.  The Military Star card has some great benefits, such as the 0% interest rate on military clothing items.  I like it because I can get 10% off my food court purchases.  The interest rate isn’t great, but it isn’t terrible, either.

However, it has a pretty bad reputation for messing up payments, not putting in changes of address, and not trying to track down customers who haven’t paid their bill.  I discovered this first-hand last year.  I thought I had paid my bill in full before a PCS move, only to discover that a gas fill-up hadn’t posted before I paid the entire balance.  I’d owed $47 for several months before I saw the balance on my credit report when I was trying to get a mortgage.  Our change of address hadn’t processed, and they didn’t try to reach us by phone or email.  I was a little frustrated, and who knows how long that debt would have sat on my account if I hadn’t applied for a mortgage.

If you’re just building credit, and can be disciplined to watch your bills carefully and make all your payments on time (or early), the Military Star card can be a tool to building your credit.  If you are at all disorganized, or have a habit of not paying your bills, the Military Star card can be a disaster.  Your command could get involved, your pay could be garnished, or worse.  Whether it’s the right card for you is a decision that only you can make, but at least you have a lot of information about the program.



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Charleston Chapter – MOAA
Charleston Chapter – MOAA

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