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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 665187 times)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #30 on: November 09, 2011, 11:59:18 PM »
In my case they didn't close my checking and savings accounts, just the CC's.

Didn't know it happened to you, too. Yikes.

Did you find out what triggered it for you?

Did you come out unscathed?
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 scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #31 on: November 10, 2011, 12:03:59 AM »
Maybe they want further documentation to make sure your not really dead. (do you have other addresses on your reports?).
Excessive Outstanding Credit? - (At least that what they called it in the mid 90's for application denials).
I've never heard of accounts being closed due to it though.

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #32 on: November 10, 2011, 12:05:20 AM »
Maybe they want further documentation to make sure your not really dead. (do you have other addresses on your reports?).
Excessive Outstanding Credit? - (At least that what they called it in the mid 90's for application denials).
I've never heard of accounts being closed due to it though.
dont got any of those things

Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #33 on: November 10, 2011, 12:08:20 AM »
We used to freeze accounts when there was SS# mismatches (alias name or completely different name). Back then a consumer couldn't typically see that themselves. But we could, and it would create an alert and we required documentation from the supposed cardholder to verify their information sometimes even a statement from the SSA to clarify. When is the last time you checked your report, might want to make sure you don't have some sudden inqs on their you never really made.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #34 on: November 10, 2011, 12:08:35 AM »
Didn't know it happened to you, too. Yikes.

Did you find out what triggered it for you?

Did you come out unscathed?

Yup, a long time ago. I believe the trigger was spending over 20k monthly on one of my biz cards and just about maxing it out.
I tried many times to give them my business again but they wouldn't budge. No real problems at any other banks (had 1 AMEX FR and survived).

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #35 on: November 10, 2011, 12:09:24 AM »
We used to freeze accounts when there was SS# mismatches (alias name or completely different name). Back then a consumer couldn't typically see that themselves. But we could, and it would create an alert and we required documentation from the supposed cardholder to verify their information sometimes even a statement from the SSA to clarify.
who is "WE"

Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #36 on: November 10, 2011, 12:10:35 AM »

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #37 on: November 10, 2011, 12:13:34 AM »
Yup, a long time ago. I believe the trigger was spending over 20k monthly on one of my biz cards and just about maxing it out.
I tried many times to give them my business again but they wouldn't budge. No real problems at any other banks (had 1 AMEX FR and survived).

So you're still blacklisted? Had you had a history with Chase prior to the shutdown?

Just out of curiosity, how did you end up paying the 20K bill, on the phone?
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 Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #38 on: November 10, 2011, 12:17:52 AM »
@myb821:
good luck getting ANY response from them, they are terrible when it comes to that. Last week they shut down all of my personal checkings account, (with 5 days notice) and all they told us (me, my wife the branch manager and all the workers there) is "we have a right to break any contract, it says so in the terms and conditions" no reason given at all. I even yelled at the manager that it makes no sense to just do that why not "fr" or something, her response? "thats chase"    oh and this decision, is unchangeable!!! says so in big bright red letters when a clerk logs onto my account!!!!

so yeah good luck getting anywhere.

oh and one more thing, SEVEN YEAR BAN!!!!

to think that earlier that day a rep in the branch said i have great credit with them and therefore he will be able to get me a great  mortgage rate.
« Last Edit: November 10, 2011, 12:22:13 AM by Q274 »

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #39 on: November 10, 2011, 12:19:22 AM »
Last week they shut down all of my personal checkings account, (with 5 days notice)

...for what reason?
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 Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #40 on: November 10, 2011, 12:21:25 AM »
...for what reason?
read the rest of my post (noobie question  :P)

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #41 on: November 10, 2011, 12:22:11 AM »
read the rest of my post (noobie question  :P)
ur post doesnt say why they closed them

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #42 on: November 10, 2011, 12:22:36 AM »
ur post doesnt say why they closed them
EXACTLY!!!!

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #43 on: November 10, 2011, 12:23:25 AM »
read the rest of my post (noobie question  :P)

:P

Really? The only thing they said when you asked is "that's Chase"?
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

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #44 on: November 10, 2011, 12:24:54 AM »
If you're confident your credit is immaculate, utilization is not heavily weighted only with them, and personal data is on the up & up, and you spend heavily on a monthly basis (without suspicious charges like amazon funds shifting) then they may think you're money laundering.
But they would never tell you that.