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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 (11.6%)
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 714659 times)

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6195 on: April 02, 2017, 03:08:39 PM »
Did anyone ever get a bank account opened after having it closed 2 years ago?

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6196 on: April 02, 2017, 03:44:26 PM »
Ok seems like DW and I just got hit with A/A I did some large spend on both cards which probably triggered it. Any chance of getting it back if I pay everything then call them? What happens with my points?

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6197 on: April 02, 2017, 06:24:38 PM »
Ok seems like DW and I just got hit with A/A I did some large spend on both cards which probably triggered it. Any chance of getting it back if I pay everything then call them? What happens with my points?
Bank accounts also?

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6198 on: April 02, 2017, 06:31:47 PM »
Bank accounts also?
As of now seems not, how would I tell?

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6199 on: April 02, 2017, 07:35:13 PM »
As of now seems not, how would I tell?
When you call in ask?

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6200 on: April 02, 2017, 11:14:50 PM »
When you call in ask?
They had no info for me.

Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6201 on: April 03, 2017, 12:59:01 AM »
As of now seems not, how would I tell?
Try to send a QP. If accounts are frozen, it will say insufficient funds

Offline yitrap

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Chase A/A Master Thread (Now With Poll)
« Reply #6202 on: April 04, 2017, 10:47:34 PM »
Try to send a QP. If accounts are frozen, it will say insufficient funds
Accounts are not frozen.
My cards were closed due to
Too many accounts opened recently
This account and/or a related account was closed at the banks request
Currently over limit on chase account(s)

DW was closed (and I believe what triggered mine too) due too
Rapid increase in revolving balances
Too many accounts opened recently
This account and/or a related account was closed at the banks request


Sooo has anyone recently managed to talk their way out of this? I have no issue paying off all the balance right now
« Last Edit: April 04, 2017, 11:03:22 PM by yitrap »

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6203 on: April 05, 2017, 05:15:22 AM »
Accounts are not frozen.
My cards were closed due to
Too many accounts opened recently
This account and/or a related account was closed at the banks request
Currently over limit on chase account(s)

DW was closed (and I believe what triggered mine too) due too
Rapid increase in revolving balances
Too many accounts opened recently
This account and/or a related account was closed at the banks request


Sooo has anyone recently managed to talk their way out of this? I have no issue paying off all the balance right now
You can certainly try, but most people have not had much luck once hit with A/A. It means they basically already decided for you and don't really care about your opinion on the matter.

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6204 on: April 05, 2017, 07:36:23 PM »

the unfortunate truth...

It means they basically already decided for you and don't really care about your opinion on the matter.
like button= thanks. ;)            Feel free to PM me

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6205 on: April 19, 2017, 04:15:53 PM »
2 (relative's) chase accounts got shutdown during yom tov   :o
how long do I have to redeem the points ?

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6206 on: April 19, 2017, 06:15:00 PM »
2 (relative's) chase accounts got shutdown during yom tov   :o
how long do I have to redeem the points ?
If they aren't frozen you should have 30 days to transfer.
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Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6207 on: April 20, 2017, 11:43:44 AM »
All my accounts were closed down a month ago but for some reason my 1 biz card was not closed...does that make sense?
« Last Edit: April 20, 2017, 12:08:32 PM by Hamavin »

Offline 16guitar

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6208 on: April 20, 2017, 12:31:39 PM »
All my accounts were closed down a month ago but for some reason my 1 biz card was not closed...does that make sense?
Same here

Offline wonderlust

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6209 on: April 20, 2017, 01:48:43 PM »
Just had one of my buiz cards closed (a large recent balance but nothing crazy) but my personal cards, checking accounts and 3 other buiz cards are untouched. Whats' up with that?! Got a letter over yt saying " we have chosen to close your account because our affiliate is ending it's banking relationship with you... called in and of course they have no info for me and no idea why only one account closed and if others are in danger of closure. Anyone else have this? I have no idea what they are referring to about affiliate...