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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 :(
10 (1.6%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10%)
No (Bli Ayin Horah)
455 (73.4%)
I Was Shut Down But Was Able To Get Reopened After Appeal
24 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
69 (11.1%)

Total Members Voted: 618

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1687325 times)

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6220 on: April 28, 2017, 12:50:26 AM »
...but you have no problem with "yop"?  :P
You gotta pick your battles
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Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6221 on: April 28, 2017, 02:02:20 AM »
whats yop

Offline lechatchileh ariber

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6222 on: April 28, 2017, 02:05:04 AM »
whats yop
I think it might be short for yopchik
I don't sin, I give myself opportunities to repent.

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6223 on: April 28, 2017, 02:18:12 AM »
I think it might be short for yopchik
Any mention of food should be banned after 1 am.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6224 on: April 28, 2017, 02:27:43 AM »
I just found a new supply of forks!

Offline wonderlust

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6225 on: April 28, 2017, 09:05:19 AM »
yop the 3th for me (managing accounts) within the last 2 week's ,    :'( :'( :'(


you had 3 different cc shutdown? where they all at once? did you lose points? I had one account closed over pesyach and wondering if I should be nervous about the others.. Also have a lot of points  that I don't want to lose

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6226 on: May 01, 2017, 12:51:30 AM »
Anybody had success recently getting Chase to open back their accounts ?

Offline ungar17@yahoo.com

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6227 on: May 01, 2017, 03:36:04 PM »
I've tried multiple times but no luck. Once you are no longer a customer they seem to get even more rude than usual and don't really care at all.

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6228 on: May 01, 2017, 07:23:24 PM »
I've tried multiple times but no luck. Once you are no longer a customer they seem to get even more rude than usual and don't really care at all.
7 years might do he trick

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6229 on: May 01, 2017, 07:24:49 PM »
Once you are no longer a customer they seem to get even more rude than usual and don't really care at all.
what about having checking account will that help to get cc?

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6230 on: May 02, 2017, 12:41:21 AM »
Anybody had success recently getting Chase to open back their accounts ?
It depends why they were closed.
I just found a new supply of forks!

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6231 on: May 02, 2017, 09:50:12 AM »
It depends why they were closed.
Credit exposure...executive team and everyone else won't talk to me...they keep saying to reapply, worth a try?

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6232 on: May 02, 2017, 09:57:46 AM »
Credit exposure...executive team and everyone else won't talk to me...they keep saying to reapply, worth a try?
I would only try after I reduced my credit exposure.
I just found a new supply of forks!

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6233 on: May 02, 2017, 10:01:15 AM »
I would only try after I reduced my credit exposure.
Got it.

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6234 on: May 02, 2017, 10:09:44 AM »
Credit exposure...executive team and everyone else won't talk to me...they keep saying to reapply, worth a try?
I would only try after I reduced my credit exposure.
What do they mean when they say credit exposure?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline David Smith

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6235 on: May 02, 2017, 10:12:07 AM »
What do they mean when they say credit exposure?
Total amount of available credit from them.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6236 on: May 02, 2017, 10:13:33 AM »
Total amount of credit available.
That's what I figured.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6237 on: May 02, 2017, 12:26:40 PM »
Total amount of available credit from them.
By me they also had an issue with the total amount of credit I had in general.

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6238 on: May 02, 2017, 01:20:28 PM »
By me they also had an issue with the total amount of credit I had in general.
Mind sharing how much each was?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6239 on: May 02, 2017, 01:31:57 PM »
Mind sharing how much each was?
That would take a while to figure out perhaps later today