Originally Posted by
fasteddie800
This should be entirely unsurprising, right?
For the active force, you have to figure most of the people with around 12 years of service or more have decided to stick it out to 20 years and get the retirement. They'll think long and hard before turning down the shot and losing all the time they've invested.
Reserves/Guard, especially the part-time folks, don't have near the same incentive. I don't know all the nuances, but if you're strictly a part-timer, don't you have to wait until you're 60 to draw any kind of retirement? So many folks in the Guard/Reserve probably just said "thanks, but not thanks."
One reason why part timers, generally enlisted, tended to abuse their GTC to fix their car or buy groceries or diapers etc. (yes sometimes strip clubs but that's another story). They were less afraid of getting yelled at by a part time commander than losing their full-time job or going hungry. Their drill pay wasn't the best after all. Of course, the whole GTC program was/is a dumpster fire that I never understood how the government could legally force someone to get a credit card in their own name unlike a corporate card. But it is the government so normal rules don't apply.