Topic Wiki

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 (11.6%)
No (Bli Ayin Horah)
396 (76.3%)
I Was Shut Down But Was Able To Get Reopened After Appeal
16 (3.1%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
42 (8.1%)

Total Members Voted: 517

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 712922 times)

Offline Dan

  • Administrator
  • Dansdeals Lifetime 40K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 46673
  • Total likes: 406
  • DansDeals.com Hat Tips 14379
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #15 on: November 09, 2011, 11:27:03 PM »
Another trigger is too much debt or credit utilization on your credit report or 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.

Offline myb821

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7396
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: Chase A/A Master Thread (Now With Poll)
« Reply #16 on: November 09, 2011, 11:28:01 PM »
dont got that either with chase im at like 22% and over all im well below 10%

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 24143
  • Total likes: 42
  • DansDeals.com Hat Tips 11
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Chase A/A Master Thread (Now With Poll)
« Reply #17 on: November 09, 2011, 11:28:14 PM »
Another trigger is too much debt or credit utilization on your credit report or with Chase.

If that's true, that's ridiculous.

Close down access to your checking account because you've used too much of your credit card line?

Not to mention losing access to your credit cards simply because you've used them, and without notice??
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

  • Administrator
  • Dansdeals Lifetime 40K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 46673
  • Total likes: 406
  • DansDeals.com Hat Tips 14379
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #18 on: November 09, 2011, 11:29:47 PM »
If that's true, that's ridiculous.
Why?  They don't want exposure to someone who they think may not be able to pay their debts back.  Same reason for FR, except FR is far more prevalent and can be fought more easily.
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7396
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: Chase A/A Master Thread (Now With Poll)
« Reply #19 on: November 09, 2011, 11:30:34 PM »
but i dont have any of those things!! the only thig i have is a lot of new accounts in past year

Offline Dan

  • Administrator
  • Dansdeals Lifetime 40K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 46673
  • Total likes: 406
  • DansDeals.com Hat Tips 14379
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #20 on: November 09, 2011, 11:30:38 PM »
If that's true, that's ridiculous.

Close down access to your checking account because you've used too much of your credit card line?

Not to mention losing access to your credit cards simply because you've used them, and without notice??
Yes, the without notice part is what's not nice.  They could just freeze it like AMEX and make an investigation.
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 Dan

  • Administrator
  • Dansdeals Lifetime 40K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 46673
  • Total likes: 406
  • DansDeals.com Hat Tips 14379
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #21 on: November 09, 2011, 11:31:07 PM »
but i dont have any of those things!! the only thig i have is a lot of new accounts in past year
Hopefully you'll get some clarification in the morning.  Try to stop in a branch and see if a banker can help appeal.
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 AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 24143
  • Total likes: 42
  • DansDeals.com Hat Tips 11
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Chase A/A Master Thread (Now With Poll)
« Reply #22 on: November 09, 2011, 11:31:14 PM »
Why?  They don't want exposure to someone who they think may not be able to pay their debts back.  Same reason for FR, except FR is far more prevalent and can be fought more easily.

Like I said above (though modified after your post), they apparently lock you out of your bank accounts also... and the whole without notice thing is patently ridiculous.

EDIT: Sorry, our posts crossed again.
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

  • Administrator
  • Dansdeals Lifetime 40K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 46673
  • Total likes: 406
  • DansDeals.com Hat Tips 14379
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #23 on: November 09, 2011, 11:32:30 PM »
myb821, your checking account is closed too?
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7396
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: Chase A/A Master Thread (Now With Poll)
« Reply #24 on: November 09, 2011, 11:34:03 PM »
i dont think so i think my checking account is still open

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 24143
  • Total likes: 42
  • DansDeals.com Hat Tips 11
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Chase A/A Master Thread (Now With Poll)
« Reply #25 on: November 09, 2011, 11:35:34 PM »
Thank G-d for that. I had read instances where they blocked access to that as well.

Maybe from the AARP shutdown... don't recall.
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7396
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: Chase A/A Master Thread (Now With Poll)
« Reply #26 on: November 09, 2011, 11:43:41 PM »
so frustrated right now

Offline Smokey Joe Robinson

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2011
  • Posts: 2904
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: New York
  • Programs: SPG Gold, HHonors Gold, Hyatt Plat, Club Carlson Gold Elite, Best Western Diamond Elite, Marriott Rewards Silver, Hertz President's Circle, National Executive Elite, Sixt Platinum, Delta Silver Medallion, United Premier Silver
Re: Chase A/A Master Thread (Now With Poll)
« Reply #27 on: November 09, 2011, 11:48:31 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.
Whats considered abusing checking account fundings?
My Programs Are Listed So That I Don't Forget Them :)

Offline Avid Reader

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2008
  • Posts: 3973
  • Total likes: 2
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: NYC
  • Programs: Starwood Gold, Accor Gold, Hilton Gold, Hertz Five Star Gold, Marriott Silver, National Executive
Re: Chase A/A Master Thread (Now With Poll)
« Reply #28 on: November 09, 2011, 11:57:55 PM »
Thank G-d for that. I had read instances where they blocked access to that as well.

Maybe from the AARP shutdown... don't recall.

In my case they didn't close my checking and savings accounts, just the CC's.

Offline compddd

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2011
  • Posts: 2862
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #29 on: November 09, 2011, 11:58:43 PM »
Whats considered abusing checking account fundings?

I would like to know this as well.

Also what is abusing AARP mean?