<prompt> Human: So the Servicemembers Civil Relief Act SCRA allows military personnel to reduce the interest rates of credit cards they obtained BEFORE they joined the military to 6. All of my credit cards were obtained after I joined the Army. When I talked to my friend he said he called the credit card company and said I would like to apply for the 4 military interest rate. He said they had him send in a bunch of financial history information and then after some time he was actually given money back retroactively!!! I have tried googling about information for this but all I get is flood of information on the SCRA and credit offers. Does anyone know anything about this?  <response>: I reduced my credit card interest rates to 0 by paying my balance in full, on time, every month. I think that could work for you too! 