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@dr_tan Your command financial counselor sounds terrible. These issues may feel overwhelming but this is an easy fix. As AD you should not be paying more than 4% on ANY care. If you are balance transfer. That is priority #1…consolidate your debt at lower rates then go from there. Will take some...

@dr_tan I used Discover for my first balance transfer and I was happy with them. I signed up for Capital One Venture for my everyday credit card while I was active duty and I still have scra on that card. Just stay away from NFCU and USAA for your debt.

@dr_tan False. I got multiple credit cards after joining, called up their customer service after 2 years of paying around 20% interest and told them about SCRA and all I had to do was send them proof of service. They all gave back around $1,000 of retro over interest payments. Only place this...