I have been on active duty and have returned home. I just learned that I could have gotten a reduction in the interest rate on my credit card while I was on active duty. Is it too late for me to get this reduction?

Under the law, you have up to 180 days after you are released from active duty to let a lender know that you were on active duty. You should write your credit card company and send a copy of your military orders. If you do so within this 180-day time period, you are entitled to have your interest rate reduced to 6 percent effective for the period from the date you entered active duty through the date you were released from active-duty status.

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