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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 1686726 times)

Offline chinagel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6140 on: March 01, 2017, 04:03:43 PM »
I have a credit limit of 25k+ on my personal, and another 5k+ on my business cards.

My annual income is in the 50-60k per year.

Am I risking an a/a?

Should I lower my credit line?
ur fine

Offline TimT

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6141 on: March 01, 2017, 04:12:34 PM »
I have a credit limit of 25k+ on my personal, and another 5k+ on my business cards.

My annual income is in the 50-60k per year.

Am I risking an a/a?

Should I lower my credit line?
If that's a risk then boy am I in trouble :)

Offline Hidden

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6142 on: March 01, 2017, 04:31:52 PM »

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6143 on: March 03, 2017, 10:06:34 AM »
I have just been A'A'ed  >:(, I have have 3 personnel cards with them (SP, Freedom and have signed up for the United about 2 weeks ago) as well as the Business Ink Bold.
Was A/A'd in December 2013. Have not been able to get a credit card approved since then (tried twice not including today).

Just applied for CSR in-branch this morning and application went into pending. Any experience if I should call recon or wait it out? My feeling is that if I just leave it alone, I will be declined so I don't see how calling can hurt, but I'm wondering if anyone here had experience otherwise. 

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6144 on: March 03, 2017, 03:01:52 PM »
Declined because of previous unsatisfactory relationship with Chase.
How was everyone that was A/A able to open new cards with Chase?

Offline chinagel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6145 on: March 03, 2017, 03:10:20 PM »
Declined because of previous unsatisfactory relationship with Chase.
How was everyone that was A/A able to open new cards with Chase?
PM @JTZ :)

Offline Ephraimh

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6146 on: March 03, 2017, 03:51:01 PM »
Declined because of previous unsatisfactory relationship with Chase.
How was everyone that was A/A able to open new cards with Chase?
Call in and ask what the unsatisfactory  relationship was since you can't recall and want to straighten things out, act innocent, dumb and cooperative.

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6147 on: March 05, 2017, 09:44:48 AM »
PM @JTZ :)
Have been closed on three different occasions. Have no idea why I have been let back in. I am currently not welcome.  :)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6148 on: March 06, 2017, 11:01:20 PM »
Declined because of previous unsatisfactory relationship with Chase.
How was everyone that was A/A able to open new cards with Chase?
Checked my account today and I see a credit card with a $27,000 credit line. Yay!

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6149 on: March 06, 2017, 11:04:13 PM »
Checked my account today and I see a credit card with a $27,000 credit line. Yay!
Nice, hopefully they don't close it right away.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6150 on: March 06, 2017, 11:07:12 PM »
Nice, hopefully they don't close it right away.
Hoping the same. It's the first time since A/A that I made it this far so I'm hopeful that they didn't just approve it to close it down right away, especially since I wasn't initially approved this time as well.

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6151 on: March 06, 2017, 11:07:44 PM »
Hoping the same. It's the first time since A/A that I made it this far so I'm hopeful that they didn't just approve it to close it down right away, especially since I wasn't initially approved this time as well.
It happened to JTZ IIRC
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6152 on: March 06, 2017, 11:09:22 PM »
It happened to JTZ IIRC
>:( >:( >:(
To be on the safe side hit the spend requirement ASAP!!!
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6153 on: March 07, 2017, 02:08:35 PM »
Checked my account today and I see a credit card with a $27,000 credit line. Yay!
did you call?

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6154 on: March 07, 2017, 02:33:08 PM »
did you call?
I called them on Friday after applying and they ran the application and said I was denied. He said he would send to another department to reconsider. Then I checked I found it approved on Monday.
« Last Edit: March 07, 2017, 03:19:46 PM by googwallet »

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6155 on: March 10, 2017, 09:40:03 AM »
Card is already closed before I even got a chance to activate it...   :'(
Any reason to call or should I just move on?

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6156 on: March 10, 2017, 09:49:00 AM »
Card is already closed before I even got a chance to activate it...   :'(
Any reason to call or should I just move on?
Sorry to hear. Stick a fork in it.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline yomo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6157 on: March 13, 2017, 08:57:36 PM »
Any new risks in selling UR these days?

Offline BP16

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6158 on: March 13, 2017, 09:30:56 PM »
Any new risks in selling UR these days?
Always a risk

Offline sguitarist18

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6159 on: March 16, 2017, 06:46:13 PM »
in regards to the risk of getting multiple checking account bonuses…I think I’ve gotten it twice before, though not in a while. I just closed my account maybe 6 months ago or so. How high is the risk of reopening checking and savings (depositing $15k) for $500 bonus?