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Charleston Chapter – MOAA


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Charleston Chapter – MOAA
Date Posted:01/14/20
This Story Expires on: 03/31/20
VA Expands Agent Orange Claim Eligibility

Date Posted:01/14/20
This Story Expires on: 03/31/20
Tricare Panel Votes to End Coverage of Brand Name Viagra, Cialis

Date Posted:01/14/20
This Story Expires on: 03/31/20
Can You Really Be Recalled to Active Duty at Any Time?

Date Posted:01/14/20
This Story Expires on: 03/31/20
Children of Women Vietnam Veterans Health Care Benefits Program

Date Posted:01/14/20
This Story Expires on: 03/31/20
Fisher House celebrates second anniversary

Date Posted:01/04/20
This Story Expires on: 03/31/20
From golf courses to commissaries: More details about access to new military benefits for 4.1 million extra people

Date Posted:01/01/20
This Story Expires on: 02/29/20
New for 2020: Commissary, exchanges opening up to 4 million more people

Date Posted:12/24/19
This Story Expires on: 02/29/20
The Space Force is officially the sixth military branch. Here’s what that means.

Date Posted:12/24/19
This Story Expires on: 02/29/20
Congress Overrides Pentagon on GI Bill Transfer Rules

Date Posted:12/24/19
This Story Expires on: 02/29/20
Video: Meet the MH 139A Grey Wolf

Date Posted:12/19/19
This Story Expires on: 02/29/20
Military spouses will get reimbursed up to $1,000 for professional relicensing costs

Date Posted:12/19/19
This Story Expires on: 02/29/20
Defense bill requires local JROTC programs to admit homeschooled students

Date Posted:12/19/19
This Story Expires on: 02/29/20
10 Military Discounts for Spouses

Date Posted:12/19/19
This Story Expires on: 02/29/20
Scholarship Application for Military Children Program Now Open

Date Posted:12/16/19
This Story Expires on: 02/29/20
Eligible Commissary and Exchange Shoppers

Date Posted:12/16/19
This Story Expires on: 03/31/20
VA nursing homes, assisted living, and home health care

Date Posted:12/12/19
This Story Expires on: 02/29/20
9 Great Freebies for Military and Their Families

Date Posted:12/12/19
This Story Expires on: 02/29/20
National Desert Storm War Memorial approved concept unveiled

Date Posted:12/12/19
This Story Expires on: 02/29/20
Air Force Guard and Reserve Members Can Now Check Retirement Status Online

Date Posted:12/12/19
This Story Expires on: 03/31/20
Veterans with Base Access Still Face Delays on New Commissary Benefit

Date Posted:12/12/19
This Story Expires on: 03/31/20
Military families in line for tens of thousands in benefits under plan to dump the ‘widows tax’

Date Posted:12/12/19
This Story Expires on: 04/30/20
More retirees, family members to be booted from military hospitals under Pentagon reform plans

Date Posted:12/09/19
This Story Expires on: 02/29/20
2020 Military Pay Dates

Date Posted:12/09/19
This Story Expires on: 02/29/20
Air Force to drop below the zone promotions for officers

Date Posted:12/09/19
This Story Expires on: 04/16/20
Here’s when your military 2019 tax statement will be ready

Date Posted:12/09/19
This Story Expires on: 04/30/20
Military Members, DoD Civilians Are Eligible for Free TSA Precheck

Date Posted:12/09/19
This Story Expires on: 04/30/20
These States Will Be the Most Popular for Veterans in the Next 25 Years

Date Posted:12/09/19
This Story Expires on: 03/31/20
TRICARE Open Season

Date Posted:11/26/19
This Story Expires on: 01/31/20
Veteran & Survivor Pension Rates Increase For 2020

Date Posted:11/26/19
This Story Expires on: 01/31/20
Disabled Veterans Can Now Fly Space A

Date Posted:11/26/19
This Story Expires on: 02/29/20
Veterans Can Now Learn About Their Toxic Exposure Risks with New VA App

Date Posted:11/16/19
This Story Expires on: 02/29/20
January’s new military shopping benefit delayed for tens of thousands of veterans

Date Posted:11/16/19
This Story Expires on: 03/31/20
Everything You Need to Know About Vets' and Caregivers' New Base Access

Date Posted:11/16/19
This Story Expires on: 01/31/20
Here’s how veterans stack up financially, compared to their non veteran peers

Date Posted:11/16/19
This Story Expires on: 02/29/20
How to use your GI Bill benefits at a foreign university

Date Posted:11/16/19
This Story Expires on: 01/31/20
Military Exchange Extends Return Policy for Holiday Shopping

Date Posted:11/07/19
This Story Expires on: 01/31/20
Veterans more likely to be targeted by sophisticated financial scams

Date Posted:11/07/19
This Story Expires on: 01/31/20
Companies that Recruit Veterans Often Fail to Hire Them, Data Shows

Date Posted:11/07/19
This Story Expires on: 02/29/20
Here's a New, Fast Way for Veterans to See Their Health Records

Date Posted:11/07/19
This Story Expires on: 02/29/20
VA Plans to Resolve all 'Legacy Appeals' by the End of 2022

Date Posted:11/07/19
This Story Expires on: 02/29/20
New Study Supports Using Shot to Treat PTSD

Date Posted:11/06/19
This Story Expires on: 01/31/20
7 tips for veterans to land a federal job

Date Posted:11/06/19
This Story Expires on: 01/31/20
Prescription drug costs, some Tricare fees to rise in 2020

Date Posted:11/01/19
This Story Expires on: 01/31/20
Veterans database launching to link veterans with entertainment industry employers

Date Posted:10/22/19
This Story Expires on: 01/31/20
More questions answered as installations get ready for the potential 3 million extra shoppers

Date Posted:10/11/19
This Story Expires on: 09/30/20
WARNING Hackers target job hunting service members, veterans with sham employment website

Date Posted:10/09/19
This Story Expires on: 01/31/20
Latest Update Tricare Drug Costs to Increase More Than 40% in 2020

Date Posted:10/05/19
This Story Expires on: 01/31/20
Disney Renews Armed Forces Salute for Another Year

Date Posted:10/03/19
This Story Expires on: 07/31/20
VA Releases Survivors Quick Start Guide

Date Posted:10/03/19
This Story Expires on: 02/29/20
Free flu shots for Veterans at your local Walgreens

Date Posted:10/03/19
This Story Expires on: 01/31/20
Retirees, family members to see increases in dental and vision premiums next year

Date Posted:10/03/19
This Story Expires on: 01/31/20
Four College Degrees Veterans Need to Consider

7 Affordable Ideas for Military Care Packages

March 22 Luncheon Meeting

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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