FAQs
General Help

Will I receive a new MILITARY STAR card?

Active MILITARY STAR cardholders will be automatically mailed a new MILITARY STAR card beginning in October 2024. Please allow a few weeks for delivery, we appreciate your patience as we work our way through this process. Cardmembers may continue to use their legacy card (legacy card refers to previous MILITARY STAR cards and account numbers) while awaiting their new MILITARY STAR card’s arrival.


What are the enhancements of the new MILITARY STAR card?

  • Updated card design.
  • Enhanced security features
  • Tap-to-pay functionality.
  • The new MILITARY STAR card requires activation before usage.
  • Expanded acceptance at on-installation locations. Look for “Now Accepting” MILITARY STAR signage at added locations on-installation.
  • Your new MILITARY STAR card will have a new account number and any saved legacy.
  • MILITARY STAR cards on exchange shopping sites will need to be updated to the new account number to complete transactions.


Can I now use Tap-To-Pay with the new MILITARY STAR card?

Yes. Tap-to-pay is a form of contactless payment that allows your new MILITARY STAR card to make secure purchases on enabled point-of-sale devices. Legacy MILITARY STAR cards do not have tap-to-pay functionality.


Can I now use Mobile Wallet with the new MILITARY STAR card?

Yes. Mobile wallet allows you add your new MILITARY STAR card to your mobile device. Use at on-installation locations with tap-to-pay enabled point-of-sale devices accepting MILITARY STAR mobile wallet for purchases. New MILITARY STAR cards must be activated to use in mobile wallet to complete purchases. Legacy MILITARY STAR cards are not compatible with mobile wallet functionality.


If I have not received my new MILITARY STAR card, what should I do?

Active MILITARY STAR cardholders will be automatically mailed a new MILITARY STAR card beginning in October 2024. Please allow a few weeks for delivery, we appreciate your patience as we work our way through this process. Cardmembers may continue to use their legacy card while awaiting their new MILITARY STAR card’s arrival. If you have not received a new MILITARY STAR card by December 2024, please contact us.


Can I use the new MILITARY STAR card outside the Exchange network?

No. MILITARY STAR is accepted at exchange online shopping sites and on-installation stores at the exchange.


Why does Discover appear on my receipt for purchases with my new MILITARY STAR card?

New MILITARY STAR purchases are processed by the Discover network for on-installation and online purchases. Off-installation purchases are not available with the new MILITARY STAR card.


Do I need to activate my MILITARY STAR card?

Yes. To activate your new MILITARY STAR card, call 1-888-983-STAR (7827) before using. Once you have activated your new card, destroy your legacy card(s), it is no longer valid.


Will authorized users on my account receive new MILITARY STAR card?

Yes. Authorized users will be mailed new cards to the primary cardmember’s address on file. Authorized users will receive a new account number that mirrors the primary cardmember’s account number. By activating the new MILITARY STAR card, all legacy cards associated with the primary cardmember’s account will deactivate and only new MILITARY STAR cards may be used for purchases.


What happens to my existing balance from purchases made with my legacy card?

Existing balances from the legacy card will move over to your new MILITARY STAR account.


Will MILITARY STAR continue to offer Rewards?

Yes. The rewards points earned from legacy MILITARY STAR card purchases will be retained. The rewards program is unchanged. Every retail MILITARY STAR purchase earns 2 points per $1 spent, at 2,000 points the cardmember will receive a $20 digital rewards card.


Will MILITARY STAR continue to offer the Military Clothing line of credit.

Yes. Active duty cardmembers that previously had a Military Clothing line of credit with their legacy card will continue to have a Military Clothing line of credit with the new MILITARY STAR card.


I have a rewards card that has not yet expired, can I use this with the new MILITARY STAR card?

Yes. You may continue to use rewards cards earned from legacy card purchases.


Do I need to update my saved legacy MILITARY STAR cards on exchange online shopping websites to the new MILITARY STAR card?

Yes. After you’ve activated your new MILITARY STAR card, any legacy MILITARY STAR cards will no longer be active. This includes any legacy MILITARY STAR card numbers saved to exchange online shopping websites. Please update your payment information on these exchange shopping websites to your new MILITARY STAR card.


I’ve already downloaded the MILITARY STAR Mobile App, do I need to update the MILITARY STAR Mobile App to my new MILITARY STAR account number or will that automatically update?

Your new MILITARY STAR card number will automatically update in the MILITARY STAR Mobile App after you activate your new MILITARY STAR card.


Do I need a different user id and password for MyECP.com and shopmyexchange.com?

Yes. For your security, your log in information is not interchangeable with MyECP.com and shopmyexchange.com.


Where can I update my mailing address?

  1. Log onto your account (first time users must register)
  2. Under “Manage Account” select “Update Contact Info”
  3. Edit your information and select “Update Info”

How do I add an authorized user?

  1. Log onto your account (first time users must register)
  2. Under “Manage Account” select “Manage Authorized Users”
  3. Add your authorized user’s information and submit*

*Only primary account holders may add authorized users.


How do I report my credit card lost or stolen?

You must contact The Exchange Credit Program Call Center at 1‑877‑891‑7827 (STAR) to report your card lost or stolen. (Additional telephone numbers).


How do I close my account?

You must contact The Exchange Credit Program call center at 1‑877‑891‑7827 (STAR) to close your account. (Additional telephone numbers).


How do I dispute a charge on my account?

You must dispute all transactions in writing within 60-days from the date the transaction posts to your account.

You may submit a dispute on a transaction by:
  1. Sending an email to our Risk Department at ecpfraud@aafes.com
  2. Sending a fax to Attention: Risk Department at 214-465-2017
  3. Mailing your request to:

Exchange Credit Program
P.O. Box 650410
Dallas, Texas 75265-0410

Requests must include the following:

  • Your full name as it appears on your card
  • The last 4 digits of your account number or last 5 digits of your SSN
  • The transaction amount
  • The transaction location
  • Brief description of why you are disputing the transaction
You may refer to your terms and conditions for a detailed explanation of your rights and our responsibilities when investigating disputes.

What if I become deployed?

The Exchange Credit Program offers deployment benefits to all eligible Active Duty and Mobilized or Activated Reservists or National Guard Military Members who have valid orders to deploy to qualifying contingency locations. While you are deployed, you may still make purchases, but you are not required to make monthly payments and your interest rate is temporarily reduced to six-percent (6%). After your deployment ends, your interest rate reverts to the rate in the current Exchange Credit Program Credit Agreement and you are required to make monthly payments as long as your account still has a balance.

In order to be eligible for deployment, your account must be in good standing (no more than one payment past due), and you must provide a copy of your deployment orders or a letter from your unit commander.

The deployment orders or letter must contain:

  • Your full name
  • Your Social Security Number
  • Your length of deployment or dates of deployment

If your deployment is extended, you or your Unit Commander/representative should notify the Exchange Credit Program.


You will need to submit your deployment orders or letter to:
Exchange Credit Program
ATTN: Deployments
P.O. Box 650410
Dallas, TX 75265-0410

Fax: 214-465-2997 DSN: 967.2997
ATTN: Deployments

Email: Deployment@aafes.com
Note: If sending by email, please attach an image of the orders or letter.

For questions about this policy, please contact the Exchange Credit Program Call Center at 1‑877‑891‑7827 (STAR).
(Additional telephone numbers).