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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 746458 times)

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #75 on: November 10, 2011, 02:14:35 AM »
:'(

What about your Chase credit cards?

Who?
he doesnt have any cc's

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #76 on: November 10, 2011, 09:30:32 AM »
so the reason they gave was to many open accounts with to much available credit and wouldnt open up my accounts so i escalated it to the executive department and the person i spoke to said she would review the account and get back to me in about 24hrs

Offline Cholentfresser

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #77 on: November 10, 2011, 11:24:30 AM »
Has anyone here heard of the Chase "back office"?
Whenever i go into a Chase bank and ask some questions about CCs, they say we'll have to call the "back office", i think it's a general term used for calling any higher ups.
In order to understand recursion, you first need to understand recursion.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #78 on: November 10, 2011, 11:25:25 AM »
so the reason they gave was to many open accounts with to much available credit and wouldnt open up my accounts so i escalated it to the executive department and the person i spoke to said she would review the account and get back to me in about 24hrs

Too many currently open accounts, or too many account have been opened?

What's "too much" available credit mean? Did you ask?

Good luck.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #79 on: November 10, 2011, 11:29:02 AM »
The guy from lending who I spoke to first said I have 14 open accounts and if I were to have a financial hardship I would be able to charge them all up and never be able to pay it back

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #80 on: November 10, 2011, 11:30:56 AM »
The guy from lending who I spoke to first said I have 14 open accounts and if I were to have a financial hardship I would be able to charge them all up and never be able to pay it back

Wow. You have 14 open CC's with Chase? Amazing.

However, given their current conservative stance, I can't say I'm surprised they reviewed your relationship.

That being said, review should not mean closure without notice...
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #81 on: November 10, 2011, 11:32:20 AM »
Not 14 open chase accounts 14 total accounts showing active on my credit report

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #82 on: November 10, 2011, 11:33:25 AM »
Only had 4 open chase accounts

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #83 on: November 10, 2011, 11:36:41 AM »
Not 14 open chase accounts 14 total accounts showing active on my credit report
Only have 4 open chase accounts

Ah, I got it. 14 from all issuers.

Thank Gd open accounts do not include AU's...

But, on the other hand, its not all that hard to get to 14 open accounts... 5-6 AMEX + 3-4 Chase + 3-4 Citi + 3-4 BoA.

Seems a lot of DDF could qualify....
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #84 on: November 10, 2011, 11:37:53 AM »
Yea I have 5 amex 4 chase 3 citi 1 macys and I think they were counting one of the chase cards I closed to open a new one up

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #85 on: November 10, 2011, 11:38:18 AM »
Not 14 open chase accounts 14 total accounts showing active on my credit report

That's scary considering I have like double that (~30 open accounts).

Do people think I should hold off from applying for the SW 50k offer (which is ending tomorrow)??
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #86 on: November 10, 2011, 11:40:01 AM »
Hopefully by tomorrow I will have more information from becky in the executive branch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #87 on: November 10, 2011, 11:41:14 AM »
Yea I have 5 amex 4 chase 3 citi 1 macys and I think they were counting one of the chase cards I closed to open a new one up

I'm assuming (or hoping) you have been paying on time, don't utilize too much of your CLs, and have some older accounts, right?

If so, I think you have a good argument for reinstatement. At they very least, reinstatement with cut CLs. 

Did you get an impression from Becky one way or the other?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #88 on: November 10, 2011, 11:42:13 AM »
Too many currently open accounts, or too many account have been opened?

What's "too much" available credit mean? Did you ask?

Good luck.

That's the modern term of the Excessive Outstanding Credit I mentioned they used long ago.
They usually try to look for this before approving the apps, and the reason for occasionally doing
a hard pull (looking for 'flameout').

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #89 on: November 10, 2011, 11:44:51 AM »
I don't know. Current util with chase is around 20% but over all is less then 10% never made a late payment and never even carried a small balance