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Q: Hi, I searched all over the internet for an active link of the Chase American Airlines credit card and couldn't find one. How did you guys manage to get this card?
A: Ha ha... There's (currently) no co-branded Chase AA credit card, this thread is discussing 'Chase Adverse Action'. As a general rule, AA refers to 'American Airlines', while A/A refers to 'Adverse Action'.

Q: What does Chase A/A look like? Can I do something to prevent that from happening? And once I'm hit, is there anything I can do to get back in the game?
A: To better address all the questions and concerns, we'll divide it in three sections:

1) What Are The Triggers?
2) What Happens?
3) How To Get Back

What Are The Triggers?

Basically, there are two possibilities that might trigger a Chase A/A:
Credit Related Risk
-Opening too many new cards in a short period of time, (even from other banks, and even being added as an additional user is considered as opening a new account, even a spike in your total CL even from being  additional user has been a trigger for many people - Dec 2013);
-A sudden excessive use of your cards;
-Maxing out your available credit limit.
-Buying large amounts of Chase GC (most people didn't have problems but lately some people are getting shut down for this).
Of course, there is no general rule with these things, it mostly varies by your particular credit file and worthiness.

Perk Abuse
-Transferring Ultimate Rewards points to someone else's account other than your spouse or domestic partner;
 both, the sender and the recipient, are at risk of A/A.
-Abuse of the 5% cashback bonus on the AARP card.

What Happens?

Q: What does a Chase A/A look like? How do I know whether I was shut down or not?
A: If you can't access your online account on chase.com, this is not A/A.
    When you encounter such a thing it could be because 1) the website is undergoing maintenance - wait till the site is back up; 2) a sever error - try using
    different browser
; 3) you didn't log in to your account for a while - call the number on the back of your card; 4) a security concern (resulted by a large QuickPay
    transfer or similar - call the number on the back of your card.
    When you get hit by A/A, you'll see a message above your account "Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to
    make monthly payments by the due date."; your card will no longer work; and within 7 days you'll receive a letter in the mail notifying you of the closure and the reason to it.
Q: Do they close down all my cards or just one?
A: If your shutdown was a result of 'credit related risk', they usually close all your credit card accounts, while with 'perk abusers' they used to shut down all of your cards (April '12), but lately, it is limited to the accounts involved in the abuse.
Q: Do they shut down other accounts such as checking, savings or investment accounts?
A: Lately people are reporting getting their checking account closed when getting A/A'd.
Q: Once my card is closed, can I still access my points?
A: Again there's a difference whats the reason your account was closed. Ironically, if its because of 'credit risk', your points will be forfeited, (and that used to be the case with 'perk abusers' during the April '12 A/A wave), but if its because of 'perk abuse', you'll get a certain amount of time (from 2 to 90 days - as specified on your letter) to transfer or redeem your points.

How To Get Back

Q: Once one was shut down, is there any point of calling  customer service or any other department and try to convince them to reopen the closed accounts?
A: If your account was closed due to 'perk abuse' there is -almost- no way to convince them to reopen it (unless there was an error, and you really didn't commit any violations of the
     terms and conditions).
     But if your account was closed for credit related reasons, you might have luck by calling the executive dept. 1888-622-7547 and trying to explain them why it might've looked like your at risk of default, but in fact, there is nothing to worry about. But of course YMMV with this.
Q: Can I apply for a new credit card after my accounts were closed?
A: Yes. There are a multiple reports of people being approved for a new Chase card after waiting a few months and applying again. But some were not that lucky, and some had their new accounts closed a few days after approval.
« Last edited by Iz on March 22, 2017, 11:26:51 PM »

Poll

Have You Been A/A'ed?

Yes, I've Been Shut Down And Received 1 Cent Per Point :(
5 (1%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
60 (11.9%)
No (Bli Ayin Horah)
387 (76.5%)
I Was Shut Down But Was Able To Get Reopened After Appeal
16 (3.2%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
38 (7.5%)

Total Members Voted: 504

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 665836 times)

Offline myb821

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Chase A/A Master Thread (Now With Poll)
« on: November 09, 2011, 11:11:57 PM »
i just did a 3BM with chase for southwest southwest biz and ink bold. 2 days ago i got bold approved with recon tonight i call and get them to close my hyatt account to open the southwest personal account and they agree and do it. Then one hour later i log into my account and all my accounts are showing as closed! I check my wifes and it is closed also. I call them and they tell me the office that did it is closed and cant even tell me why the cards were all closed! and they couldnt even call me to tell me they were closing my cards when an hour before i was on the phone with them and they approved my new southwest card!!!!!! I dont understand what crappy customer service is this that they cant even call me!
/rant
« Last Edit: April 29, 2012, 02:02:54 AM by Dan »

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1 on: November 09, 2011, 11:14:18 PM »
Ouch!
That makes F/R seem mild.

Do you bank with Chase?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2 on: November 09, 2011, 11:15:02 PM »
i just did a 3BM with chase for southwest southwest biz and ink bold. 2 days ago i got bold approved with recon tonight i call and get them to close my hyatt account to open the southwest personal account and they agree and do it. Then one hour later i log into my account and all my accounts are showing as closed! I check my wifes and it is closed also. I call them and they tell me the office that did it is closed and cant even tell me why the cards were all closed! and they couldnt even call me to tell me they were closing my cards when an hour before i was on the phone with them and they approved my new southwest card!!!!!! I dont understand what crappy customer service is this that they cant even call me!
/rant

Oiy. Sorry my man. I have read stories of that happening to people. I think it was on FT - you may wanna check there.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3 on: November 09, 2011, 11:15:35 PM »
yes i bank with chase but dont have a lot of funds there. they told me i could call at 8am tom morning to see whats going on im so pissed off right now

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4 on: November 09, 2011, 11:16:04 PM »
#secretlyhopingthat3BMwasnotthecause
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5 on: November 09, 2011, 11:16:58 PM »
Happened before to a DDF'er who got it reversed btw:
http://www.dansdeals.com/forums/index.php?topic=5628.0
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6 on: November 09, 2011, 11:17:57 PM »
#secretlyhopingthat3BMwasnotthecause
If it was then I and my wife and parents would have been shut down many times already.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7 on: November 09, 2011, 11:18:57 PM »
Happened before to a DDF'er who got it reversed btw:
http://www.dansdeals.com/forums/index.php?topic=5628.0
thats at least some good news i didnt remember that thread

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #8 on: November 09, 2011, 11:20:51 PM »
If it was then I and my wife and parents would have been shut down many times already.

YMMV?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #9 on: November 09, 2011, 11:21:51 PM »

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #10 on: November 09, 2011, 11:22:26 PM »
i just wish they would call me and that their office was open now so i could figure out whats going on

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #11 on: November 09, 2011, 11:22:33 PM »
YMMV?
We know of 2 DDF'ers this has happened to, 1 of which was definitely not caused by a 3BM.
We also know of hundreds of people that have done 3BMs.

Seems quite premature to give a YMMV tag to the 3BM for 1 isolated incident.  Let's just hope it stays isolated!
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #12 on: November 09, 2011, 11:24:59 PM »
doubtful

Well, what would be your guess for this (seemingly) random shut down?

We know of 2 DDF'ers this has happened to, 1 of which was definitely not caused by a 3BM.
We also know of hundreds of people that have done 3BMs.

Seems quite premature to give a YMMV tag to the 3BM for 1 isolated incident.  Let's just hope it stays isolated!

Amen, brother Ben.
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #13 on: November 09, 2011, 11:25:49 PM »
Well, what would be your guess for this (seemingly) random shut down?
No idea, but until now the reasons I have seen for Chase shutdowns have been:
-Abusing the AARP 5%.
-Abusing checking account fundings.
-Derogatory item on credit report.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #14 on: November 09, 2011, 11:26:20 PM »
No idea, but until now the reasons I have seen for Chase shutdowns have been:
-Abusing the AARP 5%.
-Abusing checking account fundings.
-Derogatory item on credit report.
of which i have none of those!