Military Star Card Paper Application

Army & Air Force Exchange Service
MILITARY STAR® Card Application
(Read Agency Disclosure Notice, Privacy Act Statement, and Instructions before completing application.)

AGENCY DISCLOSURE NOTICE
OMB CONTROL NUMBER: 0702-0137
OMB EXPIRATION DATE: OCT 31, 2025
The public reporting burden for this collection of information, 0702-0137, is estimated to
average 2 minutes per response, including the time for reviewing instructions, searching
existing data sources, gathering and maintaining the data needed, and completing and
reviewing the collection of information. Send comments regarding the burden estimate or
burden reduction suggestions to the Department of Defense, Washington Headquarters
Services, at [email protected].
Respondents should be aware that notwithstanding any other provision of law, no person
shall be subject to any penalty for failing to comply with a collection of information if it
does not display a currently valid OMB control number.
PRIVACY ACT STATEMENT
AUTHORITY: 10 U.S.C. 7013, Secretary of the Army; 10 U.S.C. 9013, Secretary of the Air
Force; Federal Claims Collection Act of 1966 (Pub.L. 89-508, as amended) and Debt
Collection Act of 1982 (Pub.L. 97-365, as amended), as amended by the Debt Collection
Improvement Act of 1996 (Pub.L. 104-134, section 31001) as codified in 31 U.S.C. §3711,
Collection and Compromise; 31 CFR 285.11, Administrative Wage Garnishment; DoD
Instruction 1330.21, Armed Services Exchange Regulations; DoD 7000.14-R, Department
of Defense Financial Management Regulation Volume 13:, “Nonappropriated Funds
Policy” and Volume 16: “Department of Defense Debt Management”; Army Regulation
215-8/Department of the Air Force Instruction 34-110 (I), Army and Air Force Exchange
Service Operations; and E.O. 9397 (SSN), as amended.
PRINCIPAL PURPOSES(S): To determine an individual's credit worthiness, monitor
account activity, process account purchases, payments and/or collections, answer
patron's questions about their account, determine indebtedness and eligibility to cash
checks at Exchange facilities, administer and respond to questions about the Federal
Claims Collection Act, and post to Exchange Accounts Receivable and audit results.
ROUTINE USE(S): Your records may be disclosed outside of DoD pursuant to Title 5 U.S.C.
§552a(b)(3) regarding DoD “Blanket Routine Uses” published at
https://pclt.defense.gov/DIRECTORATES/Privacy-and-Civil-LibertiesDirectorate/Privacy/Blanket-Routine-Uses/. This includes disclosure to the Department of
the Treasury, and a debt collection agency with which the United States has contracted for
collection services to recover debts owed to the United States. To any employer (person or
entity) that employs the services of others and that pays their wages or salaries, where the
employee owes a delinquent nontax debt to the United States. The term employer
includes, but is not limited to, State and local governments, but does not include any
agency of the Federal Government. To consumer reporting agencies pursuant to 5 U.S.C.

552a(b)(12) as defined in the Fair Credit Reporting Act (14 U.S.C. 1681a(f)) or the Federal
Claims Collection Act of 1966 (31 U.S.C. 3701(a)(3)). The purpose of this disclosure is to
aid in the collection of outstanding debts owed to the Federal government; typically, to
provide an incentive for debtors to repay delinquent Federal government debts by making
these debts part of their credit report. The disclosure is limited to information necessary to
establish the identity of the individual, including name, address, and taxpayer
identification number (Social Security Number); the amount, status, and history of the
claim; and the agency or program under which the claim arose for the sole purpose of
allowing the consumer reporting agency to prepare a commercial credit report. This
disclosure will be made only after the procedural requirement of 31 U.S.C. 3711(f) has
been followed.
DISCLOSURE: Voluntary, however, failure to provide all the requested information may
result in the denial of your application for inadequate data.
INSTRUCTIONS
1. Please complete application in its entirety to ensure timely processing.
2. Follow all directions printed on the application.
3. Please read the Terms and Conditions prior to submitting your application.
4. Questions should be directed to Exchange Credit Program Contact Center at 1-877891-7827.

Application Number

This Box For Official Use Only Control Number 10302025

,
MILITARY

Facility Number
MILITARY STAR,. Card Account Number

PLEASE READ THE TERMS & CONDITIONS AND THE AGENCY DISCLOSURE NOTICE
ON THE REVERSE SIDE, THEN COMPLETE THE ENTIRE APPLICATION.

Choose One of the following:

□

STAR®

MILITARY STAR Card
• Retail Line of Credit
• Military Clothing Line of Credif1

D Military Clothing Line of Credit only

6

•Eligible Am1y, Air Force, Space Force and Marine Corps only.
Rewards do not apply.

Street Address (U.S. Only) or APO or FPO Address
Zip Code

Phone Numbert

State

City

Date of Birth (DD/MM/YYYY)

Mother's Maiden Name

I

I

Email Address
Gross Monthly Income•

Other Income

$

$

Do You Have a Checking Account?

Yes

No

Do You Have a Savings Account?

Yes

No

Time at Present Address (Years/Months)

Monthly Housing Payment
$

tlf

you give us your mobile number, we have your permission to contact you at that number about all your Exchange Credit Program accounts. Your consent allows us
to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing
or sales calls. It may include contact from companies working on our behalf to service your accounts. Message and data rates may apply.

*Gross Monthly Income is a combination of your monthly salary before any deductions and any additional allowances. Examples may include income earned from
salaries, investments, rental properties, Social Security benefits, retirement accounts and allowances. Alimony, child support, or separate maintenance income may be
included, but is not required.
Current Employer

Time with Current Employer (Years/Months)

I

Authorized User
You may authorize eligible dependents (as defined by the Department of Defense) who are 18 years or older, with current exchange privileges, to use your account as
an authorized user. You understand and agree that authorized users may use your account to make purchases from the Exchange and may make account payments on
your behalf. You also understand and agree that you are liable for all amounts due for the account under the agreement, including amounts due for account purchases
made by you and by any authorized user.
First Name

Last Name

Social Security Number

Date of Birth (DD/MM/YYYY)

First Name

Last Name

Social Security Number

Date of Birth (DD/MM/YYYY)

-

-

-

I

I

-

I

I

Legal Information
By signing below, you certify that, to the best of your knowledge, the information you supplied in this application is true and correct, and you understand: (1) use
of an account will be subject to the Exchange Credit Program Agreement, copies of which will be provided or sent upon approval; (2) the Exchange may verify your
employment and credit history through credit reporting agencies and any person, business entity, or governmental agency that can provide such information, at the time
of application and later for account review and servicing purposes; and (3) the Exchange Credit Program may use information in this application for MILITARY STAR
marketing purposes. If your MILITARY STAR Private Label Account becomes delinquent, you understand the Exchange Credit Program will pursue all remedies available
to it under federal law and the Exchange Credit Program Agreement to recover full payment of your MILITARY STAR Private Label Account. These remedies may result in
the deduction or garnishment of funds from your military, retired, or civilian pay, as well as the offset of funds due under a federal tax return or other federal payment.
Applicant's Signature (Required)

I

Application Date (DD/MM/YYYY)

I

I

PRICING INFORMATION
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases

13.99% for Retail Plan purchases
This APR will vary with the market based on the Prime Rate.

0.00% for Military Clothing Plan purchases
Penalty APR and When it
Applies

21.99%
This APR will vary with the market based on the Prime Rate. This
APR may be applied to all of your Account balances and new
purchases, if you do not pay the full amount of any Total Minimum
Payment Due within 60 days of its Payment Due Date.
How Long Will the Penalty APR Apply? If your APRs are
increased for this reason, the Penalty APR will apply until you
make six consecutive payments of
the Total Minimum Payment Due by their Payment Due Dates,
beginning with the first Total Minimum Payment Due that is due
immediately after the Penalty APR takes effect.

How to Avoid Paying
Interest

Your due date is at least 25 days after the close of each billing
cycle. We will not charge you any interest on purchases if you pay
your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or
using a credit card, visit the website of the Consumer Financial
Protection Bureau at consumer finance.gov / learnmore

Fees
Annual Fee

None.

Penalty Fees


Returned Payment

Up to $25

How We Will Calculate Your Balance: We use a method called “daily balance,” See Your EXCHANGE
CREDIT PROGRAM Agreement for more details.
Prime Rate: Variable APRs are based on the 7.00% Prime Rate as of 10/30/2025.
‡The Exchange Credit Program adds 6.99% to the Prime Rate to determine the purchase APR. The Prime
Rate is the highest bank prime loan rate as published in the Money Rates section of the Wall Street Journal

on the last business day of your previous business cycle. The Exchange Credit Program reserves the right to
temporarily o er an annual percentage rate lower than the Prime Rate plus 6.99%. The variable APR above
is based on the 7.00% Prime Rate as of 10/30/2025.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is
provided in your EXCHANGE CREDIT PROGRAM Agreement.
Military Lending Act Disclosure: Federal law prohibits important protections to members of the Armed
Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer
credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage
rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the cost
associated with credit insurance premiums; fees for ancillary products sold in connection with the credit
transaction; any application fee charged (other than credit application fees for specific credit transactions
or accounts); and any participation fee charged (other than certain participation fees for a credit card
account).
Please refer to Section 12 of the MILITARY STAR Credit Card Agreement to see how your monthly minimum
payment is calculated.
Please call toll-free 1-877-891-7827 to hear this disclosure orally.
EXCHANGE CREDIT PROGRAM INITIAL DISCLOSURE STATEMENT
This EXCHANGE CREDIT PROGRAM Initial Disclosure Statement (“Initial Disclosures”) describes certain
terms that apply to the MILITRY STAR Private Label Revolving Credit Account (“Account”). The Account is
available through the Exchange Credit Program and administered by the Army and Air Force Exchange
Service (“AAFES”), P.O. Box 650410, Dallas, TX 75235-0410. Terms in the Initial Disclosures and other
terms that apply to the Account are provided in the EXCHANGE CREDIT PROGRAM Agreement (the
“Agreement”).
1. General Terms: The terms “we,” “us,” and “our” mean the Account creditor to which you apply for credit
(AAFES, the Navy Exchange Service Command, the Marine Corps Exchange or the Coast Guard
Exchange Service). The terms “you” and “your” refer to the individual Account holder who applies for
and accepts an Account subject to the terms of the Agreement. You may authorize family members
who are 18 years or older, with current exchange privileges, to use the Account as an “Authorized User.”
Any reference to “Card” means any card we issue to you or an Authorized User that is used to access
your Account. Other capitalized terms used below are explained in the context of their first use.
You and each Authorized User may use the Account to purchase qualifying goods and services from us
under our Retail Plan, the Military Clothing Plan (if you qualify), and any Special Promotion we may o er
from time to time, subject to the terms and conditions of the Agreement Account purchases are
subject to the terms of our Retail Plan, unless we determine that those purchases qualify for di erent
treatment under the Military Clothing Plan or a Special Promotion. Terms that apply to a Special
Promotion are described in these Initial Disclosures, except as modified by any promotional
disclosures that supplement these Initial Disclosures.

2. Periodic Statements; Billing Cycles; Payments: Each Periodic Statement will show the ending date of
the most recent Billing Cycle (the "Closing Date"). A Billing Cycle refers to the number of days between
Closing Dates. Each Periodic Statement will show the total amount you owed as of the Closing Date of
your prior Periodic Statement (the "Previous Balance'), and the amounts added to and subtracted from
the Previous Balance to determine the total amount you owe as of your most recent Closing Date (the
"New Balance"). The Periodic Statement will show the minimum amount you must pay (the "Total
Minimum Payment Due") and the date on which your payment is due (the "Payment Due Date," which
will be at least 25 days after the Closing Date). Subject to any limitations or requirements of applicable
law, you may be bound by what the Periodic Statement shows there is a billing error on your Periodic
Statement and you do not advise us of the error within 60 days after we mailed it to you. For more
information about billing disputes and your rights, you should read the section below called "Your
Billing Rights." You may pay your New Balance in full any time without penalty or pay it in monthly
installments. Paying your entire New Balance or paying more than your Minimum Payment Due will help
you reduce or avoid Interest Charges.
3. Interest Charges:
A. Daily Periodic Rates; Index for Variable Rate Adjustments. The Daily Periodic Rate used to determine
your periodic rate finance charges ("Interest Charges') is determined by dividing the corresponding
Annual Percentage Rate by three hundred sixty five (365) or, in a leap year, by three hundred sixty six
(366). The resulting Daily Periodic Rate is carried five places past the decimal point, and the last digit is
rounded. The Daily Periodic Rates and Annual Percentage Rates applied to Retail Plan and Special
Promotion balances may vary from monthly Billing Cycle to monthly Billing Cycle, based on published
changes in the index rate that applies to your Account. If your Account balances become subject to the
Penalty APR as described below in Section 3(G), the Daily Periodic Rates and Annual Percentage Rates
we apply to all of your unpaid Retail Plan, Special Promotion, and Military Clothing Plan balances may
vary from monthly Billing Cycle to monthly Billing Cycle, based on published changes in the index rate
that applies to your Account Each variable Daily Periodic Rate and corresponding Annual Percentage
Rate is based on the value of a published index rate plus the Margins described below in Section 3(D),
in Section 3(G), or in separate documents that modify or supplement the Agreement. The index rate
used for variable rate adjustments will be the highest bank prime loan rate published in "Money Rates"
section of The Wall Street Journal on the Closing Date of your previous Billing Cycle or the business day
immediately before that Closing Date (the "WSJ Prime Rate"). Changes in an index rate will be e ective
as of the first day of a monthly Billing Cycle. An increase in the index rate will result in increased Interest
Charges and an increased Total Minimum Payment Due.
B. How We Calculate Balances Subject to Interest Rate. We figure the Interest Charges for your
Account by applying the Daily Periodic Rate to the "Daily Balance" of your Account (including new
purchases) for each day in the Billing Cycle. We calculate a separate Daily Balance for each of the
di erent categories of your Account (for purchases made under the Retail Plan, the Military Clothing
Plan, and any Special Promotions). To get the "Daily Balance" for each Account category, we take the

C.

D.

E.
F.

G.

beginning balance of your Account each day in each category, add any new purchases, and then
subtract any unpaid Interest Charges, unpaid Account Fees, unpaid costs and charges of collection,
payments and credits. This gives us the Daily Balance for each category of your Account.
Grace Period. The Periodic Statement for the Billing Cycle with the most recent Closing Date is your
“Current Statement.” New purchases shown for the first time on your Current Statement will begin to
accrue Interest Charges from the date of the purchase, except as provided in the Agreement or as
otherwise required by law. New purchases shown for the first time on your current Statement will not
begin to accrue Interest charges until the first day of the following Billing Cycle if: (a) there is no
Previous Balance or there is a credit balance for the Billing Cycle shown on your Current Statement; or
(b) the sum or payments and credits we received during the Billing Cycle shown on your Current
Settlement was a least equal to the Previous Balance shown on that current Statement. To avoid
additional Interest Charges, you must pay the full new Balance shown on the Current Statement by the
Payment Due Date shown on the same Periodic Statement. We will give you the benefit of grace period
for certain partial payments you make, in those limited circumstances and to the extent required by
law.
Interest charges for Retail Plan Purchases. The variable Annual Percentage Rate used to determine
the Interest charges for Retail Plan purchases will be based on the WSJ Prime Rate plus a Margin of
6.99%. The Account Opening Disclosures provided with these Initial Disclosures disclose the Annual
Percentage Rate and Daily Periodic Rate in e ect for Retail Plan purchases on or near the date your
Account was opened.
Interest Charges for Military Clothing Plan. The non-variable Annual Percentage Rage for purchases
qualifying for the Military Clothing Plan is 0.00% (a Daily Periodic Rate of 0.00000%).
Interest Charges for Special Promotions. The Interest charges and other terms and conditions for any
Special Promotions will be described in separate promotional disclosures that modify or supplement
the Agreement.
Penalty APR. A "Penalty APR Triggering Event" will occur if you have not paid a Total Minimum Payment
Due within 60 days of its applicable Payment Due Date (in other words, within 90 days after the Closing
Date of the Billing Cycle for which we determined this minimum payment was due). If a Penalty APR
Triggering Event occurs, we may apply an increased Annual Percentage Rate (a "Penalty APR") on an
indefinite basis to the unpaid Account balances for all of your Retail Plan and Special Promotion Plan
purchases and any new Account purchases we permit, except as otherwise provided in this Agreement
or required by law. In addition to applying this Penalty APR, we may close your Account to future
purchases and exercise other remedies related to this event of Default as provided in this Agreement
The Penalty APR is a variable Annual Percentage Rate determined as of the date we first apply it, based
on the WSJ Prime Rate plus a Margin of 14.99%. The Account Opening Disclosures provided with this
Agreement disclose the Penalty APR in e ect on or near the date your Account was opened. If we
receive six consecutive payments of your Total Minimum Payment Due by their Payment Due Dates,
beginning with the first Total Minimum Payment Due that is due immediately after the Penalty APR takes

H.
I.

4.
A.

B.

5.

e ect, then we will begin to apply the standard Annual Percentage Rates to the existing unpaid Account
Balances and your Retail Plan purchases. An increase to the Penalty APR will result in increased
Interest Charges and an increased Total Minimum Payment Due.
Minimum Interest Charge. A minimum Interest Charge (a Finance Charge) of $0.50 will be assessed in
any Billing Cycle in which an Interest Charge is due, but is less than $0.50.
Temporary Reductions in Interest Charges. Your Interest Charges may be temporarily reduced based
on military activation or deployment. At the end of your activation or deployment, the Interest charges
will return to the rates then in e ect under the agreement.
Account Fees:
Returned Payment Fee. If your check, payment instrument, or any form of electronic payment to us is
dishonored by your depository institution or returned to us unpaid for any reason, we will assess and
add a Returned Payment Fee of up to $25.00 to your Account.
Document Copy Fee. On non-disputed matters and matters unrelated to Billing Error, and subject to
any limitations or restrictions of applicable law, we may require that you pay us a flat processing fee of
$5.00 per request, plus $0.25 (25 cents) for each page printed each time you request photocopies or
reprints of Account and transaction documents. Recent historical statements are available on
www.MyECP.com.
Security Interest. You grant us and we retain a security interest in each Retail Plan and Special
Promotion purchase you or an Authorized User make with the Account. To the extent permitted by
applicable law, you grant to us and we shall retain a purchase money security interest under the
Uniform Commercial Code in each Retail Plan and Special Promotion Plan purchase you make with
your Account, as shown on sales slips or other evidence of the sales transaction, until the unpaid
balance of that purchase and any related Interest Charges and Account Fees are paid in full. For
purposes of determining at any time which Retail Plan and Special Promotion Plan purchases remain
subject to our security interest, payments on your Account will be applied in accordance with any
mandatory provisions of applicable law and, absent such provisions, shall be applied as follows: first,
to Interest Charges, then to any Account Fees, then to pay that portion of the Total Minimum Payment
Due for purchases made under the Military Clothing Plan, then to each Retail Plan and Special
Promotion purchase in the order that each such purchase was charged to your Account, beginning with
the oldest purchase. Retail Plan and Special Promotion purchases made on the same day will be paid
o by allocating your payments to the lowest price purchase(s) first. You understand and agree that we
may, at our option, record financing or security documents as permitted by applicable law that
evidence our security interest in Retail Plan and Special Promotion purchases made with the Account.
It is expressly agreed that no security interest is or will be retained or acquired by us in any consumer's
principal dwelling or household goods other than those you or an Authorized User purchased with the
Account. This does not apply to a lien created by a court judgment. In the event of default, we shall
have all the rights of a secured party under applicable law, including, to the extent permitted by
applicable law, the right to repossess items that remain subject to our security interest.

Your Billing Rights. Keep This Document for Future
Your Rights If You Are Dissatisfied With Your Credit Card
Use. This notice tells you about your rights and our
Purchases
responsibilities under the Fair Credit Billing Act.
If you are dissatisfied with the goods or services that you have
What To Do If You Find A Mistake On Your
purchased with your credit card, and you have tried in good
Statement
faith to correct the problem with the merchant, you may have
If you think there is an error on your statement, write to use at:
the right not to pay the remaining amount due on the purchase.
Exchange Credit Program
To use this right, all of the following must be true:
P.O. BOX 650410
1. The purchase must have been made in your home State or
Dallas, TX 75265-0410
within 100 miles of your current mailing address, and the
In your letter, give us the following information:
purchase price must have been more than $50. (Note: Neither
of these is necessary if your purchase was based on an
 Account Information: Your name and account number.
advertisement we mailed to you, or if we own the company
 Dollar amount: The dollar amount of the suspected error.
that sold you the goods or services.)
 Description of the problem: If you think there is an error on
2.
You must have used your credit card for the purchase.
your bill, describe that you believe it is wrong and why you
3.
You must not yet have fully paid for the purchase.
believe it is a mistake.
If all of the criteria above are met and you are still
You must contact us:
dissatisfied
with the purchase, contact us in writing at:
 Within 60 Days after the error appeared on your statement.
Exchange
Credit
Program
 At least 3 business days before an automated payment is
P.O. Box 650410
scheduled, if you want to stop payment on the amount you
Dallas, TX 75265-0410
think is wrong.
You must notify us of any potential errors in writing.
While we investigate, the same rules apply to the disputed
You may call us, but if you do we are not required to investigate
amount as discussed above. After we finish our investigation,
any potential errors and you may have to pay the amount in question.
we will tell you our decision. At that point, if we think you owe
What Will Happen After We Receive Your Letter
an amount and you do not pay, we may report you as
When we receive your letter, we must do two things:
delinquent.
1. Within 30 days of receiving your letter, we must tell you that we
Privacy Notice
received your letter. We will also tell you if we have already
Protecting your privacy is important to us. We adhere to the
corrected the error.
Privacy Act, 5 U.S.C. 552 et seq., as well as the Right to
2. Within 90 days of receiving your letter, we must either correct
Financial Privacy Act, 12 U.S.C. 3401 et seq. We collect
the error or explain why we believe the bill was correct.
nonpublic personal information about you from the following
While we investigate whether or not there has been an error:
sources:
 We cannot try to collect the amount in question, or report you as
• Information we receive from you on applications or other
delinquent on that amount.
forms;
 The charge in question may remain on your statement, and we
• Information about your transactions with us or others; and
may continue to charge you Interest on that account.
• Information we receive from a consumer reporting agency.
 While you do not have to pay the amount in question, you are
We do not disclose any nonpublic personal information
responsible for the remainder of your balance.
 We can apply any unpaid amount against your credit limit.
about our customers or former customers to anyone,
After we finish our investigation, one of two things will happen:
except as permitted by law. We restrict access to nonpublic
 If we made a mistake: You will not have to pay the amount in
personal information about you to those employees who
question, along with applicable interest and fees related to that
need to know that information to provide products or
amount.
services to you. We maintain physical, electronic, and
 If we do not believe there was a mistake: you will have to pay
procedural safeguards that comply with federal standards
the amount in question, along with applicable interest and fees.
to guard your nonpublic personal information.
We will send you a statement of the amount you owe and the
Military Clothing Plan Cost of Credit: The Military Clothing
date payment is due. We may then report you as delinquent if
Plan feature of the MILITARY STAR Private Label Account
you do not pay the amount we think you owe.
may not be available to all eligible account holders. No
If you receive our explanation but still believe your bill is wrong,
rewards points will be earned for purchases on the Military
you must write to us within 10 days telling us that you still refuse to pay. Clothing Plan.
The information about the cost of credit described in the
If you do so, we cannot report you as delinquent without also
application is accurate as of the printing date. This
reporting that you are questioning your bill. We must tell you the
name of anyone to whom we reported you as delinquent, and we must letinformation may change after the printing date. To find out
what may have changed,
those organizations know when the matter has been settled between
us. If we do not follow all of the rules above, you do not have to pay the please visit
first $50 of the amount you question even if your bill is correct.
https://www.myecp.com/HtmlPages/TermsAndConditions