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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 (11.8%)
No (Bli Ayin Horah)
389 (76.6%)
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
38 (7.5%)

Total Members Voted: 506

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 678822 times)

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.

Online 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

Online 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?
like button= thanks. ;)

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?

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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?

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6160 on: March 16, 2017, 07:23:39 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?
i think you need to wait 12 months to get another bonus
like button= thanks. ;)

Offline cubicles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6161 on: March 17, 2017, 01:29:50 PM »
Any new risks in selling UR these days?
no
Get the most out of your points! $

Offline sguitarist18

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6162 on: March 20, 2017, 07:41:56 PM »
i think you need to wait 12 months to get another bonus

Are saying in terms of risks, or that they simply won't allow it? My coupon says it'll work as long as my account hasn't been closed within 90 days.

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6163 on: March 21, 2017, 12:21:58 AM »
On a A/Ad account how can can you get rid of your points within 30 days...Only cash back? Can u transfer into airline or do UR to UR? Also anyone have luck getting there accounts reinstated recently?
« Last Edit: March 21, 2017, 12:40:17 AM by Hamavin »

Offline sguitarist18

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6164 on: March 21, 2017, 05:36:18 PM »
Are saying in terms of risks, or that they simply won't allow it? My coupon says it'll work as long as my account hasn't been closed within 90 days.
Bump - I could use your advice, I'd like to open the account tomorrow!