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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 (11.5%)
No (Bli Ayin Horah)
396 (76%)
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
44 (8.4%)

Total Members Voted: 519

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 748191 times)

Offline Yellow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #60 on: November 10, 2011, 01:01:52 AM »
To the OP:
First of all i responded to your PM with some details, but IME (and this has happened to me. actually i think our accounts have been closed for the exact same reason: too many accounts opened in a short period of time) You will get a letter in a couple of days from them stating that your accounts have been closed. They will also include a phone number, call them and explain that you only opened the card for the CC bonus's, your not a risk to them, you have stellar credit history with them, no late payments etc. (I remember having to call twice until i got a nice woman who would listen and help me so don't give up if not successful 1st time)

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #61 on: November 10, 2011, 01:02:32 AM »
To the OP:
First of all i responded to your PM with some details, but IME (and this has happened to me. actually i think our accounts have been closed for the exact same reason: too many accounts opened in a short period of time) You will get a letter in a couple of days from them stating that your accounts have been closed. They will also include a phone number, call them and explain that you only opened the card for the CC bonus's, your not a risk to them, you have stellar credit history with them, no late payments etc. (I remember having to call twice until i got a nice woman who would listen and help me so don't give up if not successful 1st time)
thanks i saw ur pm and was about to respond i appreciate ur advice will give it a shot

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #62 on: November 10, 2011, 01:03:49 AM »
thanks i saw ur pm and was about to respond i appreciate ur advice will give it a shot
np
Hope it all works out and feel free to ask me any other questions you might have

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #63 on: November 10, 2011, 01:06:31 AM »
I recall that my bank accounts were unaffected just my CC accounts froze. Very strange

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #64 on: November 10, 2011, 01:06:48 AM »
Has anyone here heard of the Chase "back office"?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #65 on: November 10, 2011, 01:12:49 AM »
Unfortunately Chase is in a “take no prisoner mode”. I wish the OP luck.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #66 on: November 10, 2011, 01:13:39 AM »
Unfortunately Chase is in a “take no prisoner mode”. I wish the OP luck.
thanks

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #67 on: November 10, 2011, 01:23:57 AM »
Chase’s memory does not seem as long as other FI’s. Somewhere after one year and before the second year you should be able to get back in. I know that is not much consolation.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #68 on: November 10, 2011, 01:25:05 AM »
Chase’s memory does not seem as long as other FI’s. Somewhere after one year and before the second year you should be able to get back in. I know that is not much consolation.

Tell that to AvidReader. Seems inaccurate.
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 #69 on: November 10, 2011, 01:29:37 AM »
Tell that to AvidReader. Seems inaccurate.
…because something is not 100% that does not make it inaccurate. The best information on this happening is not on public forums.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #70 on: November 10, 2011, 01:31:12 AM »
…because something is not 100% that does not make it inaccurate. The best information on this happening is not on public forums.

See above for the word "seems."

I'm working with very little data points here.

But I'm hoping, for everyone undergoing this issue, that you're more right than wrong.
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 #71 on: November 10, 2011, 01:34:04 AM »
See above for the word "seems."
As in my original post also.  ;)
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #72 on: November 10, 2011, 01:36:40 AM »
As in my original post also.  ;)

I guess you have some other data point then?
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 #73 on: November 10, 2011, 01:47:01 AM »
I guess you have some other data point then?
Yes and check your PM.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #74 on: November 10, 2011, 02:13:44 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!!!!

 :'(

What about your Chase credit cards?

on the side i am a NOOBIE LOVER. and when he whose name may not be said rises back up to power, i will be the first tp battle him to death.

Who?
#hashtagsareoverrated