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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 663221 times)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #90 on: November 10, 2011, 11:45:27 AM »
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').

Interesting. I can't say a bank reviewing those dynamics surprises me in the least.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #91 on: November 10, 2011, 11:45:43 AM »
Scwam by outstanding credit do u mean credit available? Or used credit?

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #92 on: November 10, 2011, 11:48:17 AM »
What I find the most strange is that an hour before they closed my account they agreed to open a new one

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #93 on: November 10, 2011, 11:48:43 AM »
Total outstanding credit. From all issers.

That's what the Chase rep meant by "too much available credit."
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #94 on: November 10, 2011, 11:49:15 AM »
What I find the most strange is that an hour before they closed my account they agreed to open a new one

I'd imagine the people opening new accounts are not the people reviewing accounts for this type of thing... that, too, doesn't surprise me.
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Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #95 on: November 10, 2011, 11:56:37 AM »
Scwam by outstanding credit do u mean credit available? Or used credit?

As AJK said outstanding credit from all issuers. Although I never worked in those departments, I believe
they considered one's stated income according to the potential use of all credit lines available to that person
in the even of financial hardship.  And there were 2 different departments doing reviews as stated above.
Apps reviews were a mild version of the risk management departments that handled these reviews post-account approval,
they were pretty elusive on what their criteria were.
« Last Edit: November 10, 2011, 12:00:09 PM by scwam »

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #96 on: November 10, 2011, 11:58:27 AM »
As AJK said outstanding credit from all issuers. Although I never worked in those departments, I believe
they considered one's stated income according to the potential use of all credit lines available to that person
in the even of financial hardship.


That makes sense to me. If a guy has stated income of 50K and 15 credit cards with a combined limit of 100K, I'd see why they may want to be circumspect*.

(*Another word for the word guy here on DDF.)
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #97 on: November 10, 2011, 12:01:01 PM »
i understand and that is probably what caused me to be shutdown im only showing abt 50k in income on the apps and i prob have about 50k in cl. But at the same time with my history of never carrying a balance u would think they would be willing to leave me with one card with a cl of <5k

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #98 on: November 10, 2011, 12:02:58 PM »
i understand and that is probably what caused me to be shutdown im only showing abt 50k in income on the apps and i prob have about 50k in cl. But at the same time with my history of never carrying a balance u would think they would be willing to leave me with one card with a cl of <5k

I'm not sure that's how a Chase "killing" goes. At least that's not how it has worked for people that have undergone it thus far.

Their MO is to shut down *everything* and review it later. Kind of like shoot now, ask questions later.
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 myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #99 on: November 10, 2011, 12:04:18 PM »
i understand that chase does that but to me it does not make any sense at all. I really would like to at leats keep one of my chase cards cause if i do i figue it will be easier to obtain more down the line in say6-12-18 months

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #100 on: November 10, 2011, 12:04:47 PM »
I'd imagine the people opening new accounts are not the people reviewing accounts for this type of thing... that, too, doesn't surprise me.

Yup. As I like to say, large corporations typically have multiple departments which often have conflicting priorities, this is especially true with banks.

(*Another word for the word guy here on DDF.)

I'm flattered you're trying to impress me, you're going to have to try harder for it to work though :P

/condescending :P

i understand and that is probably what caused me to be shutdown im only showing abt 50k in income on the apps and i prob have about 50k in cl. But at the same time with my history of never carrying a balance u would think they would be willing to leave me with one card with a cl of <5k

I wouldn't ask for that, I would push for 'the best they could do'. Perhaps explain that you have household income and family assets that mitigate the risk of 'hardship'.

i understand that chase does that but to me it does not make any sense at all. I really would like to at leats keep one of my chase cards cause if i do i figue it will be easier to obtain more down the line in say6-12-18 months

I would think so as well.
It's no surprise that Freud is long dead, considering how frequently and how hard he slips.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #101 on: November 10, 2011, 12:07:18 PM »
I'm flattered you're trying to impress me, you're going to have to try harder for it to work though :P

/condescending :P

Impress you? Hardly... just throwing it out there because your a self-proclaimed "word guy."

#somewordguystakethemselvestooseriously


I wouldn't ask for that, I would push for 'the best they could do'. Perhaps explain that you have household income and family assets that mitigate the risk of 'hardship'.

+1
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #102 on: November 10, 2011, 12:09:10 PM »
Impress you? Hardly... just throwing it out there because your a self-proclaimed "word guy."

Ask anyone who knows me. Heck, do a search for posts by me with the word pun, if you need 'proof'.
It's no surprise that Freud is long dead, considering how frequently and how hard he slips.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #103 on: November 10, 2011, 12:09:17 PM »
i wouldnt request one card with 5k cl i would try for best they can do for me but in a worst case scenario I really hope i can convince them to do that

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #104 on: November 10, 2011, 12:10:25 PM »
i wouldnt request one card with 5k cl i would try for best they can do for me but in a worst case scenario I really hope i can convince them to do that

How much out of the 50K do you have with Chase?
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