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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 1687421 times)

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6280 on: May 22, 2017, 01:32:28 PM »
chase just closed all my credit cards.
my checking and savings are still open.

what do i do now?
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6281 on: May 22, 2017, 01:34:24 PM »
I just found a new supply of forks!

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6282 on: May 22, 2017, 01:37:20 PM »
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6283 on: May 22, 2017, 01:44:34 PM »
chase just closed all my credit cards.
my checking and savings are still open.

what do i do now?

Can you please provide more details on what you have been doing that may have caused it. Thanks!

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6284 on: May 22, 2017, 01:53:13 PM »
Can you please provide more details on what you have been doing that may have caused it. Thanks!

just spend alot of money on places like card cash.
always paid balance before due date
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline tzifanya54

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6285 on: May 22, 2017, 02:09:33 PM »
just spend alot of money on places like card cash.
always paid balance before due date
No new chase apps?

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6286 on: May 22, 2017, 02:14:36 PM »
not since 6 months ago
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6287 on: May 22, 2017, 02:15:23 PM »
just spend alot of money on places like card cash.
always paid balance before due date
All on an IP?
"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 #6288 on: May 22, 2017, 02:16:06 PM »
Wait for the letter stating the reason.
I just found a new supply of forks!

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6289 on: May 22, 2017, 04:50:19 PM »
All on an IP?
All my spend on all my IP cards is office supply.
And that's not the only DP I've heard on the matter.

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6290 on: May 23, 2017, 12:41:11 AM »
And that's not the only DP I've heard on the matter.
Good or bad DP's?
I just found a new supply of forks!

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6291 on: May 23, 2017, 09:12:46 AM »
Good or bad DP's?
Meaning. I know others that do purely 5x on IP with no issues.

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6292 on: May 23, 2017, 02:01:16 PM »
All on an IP?

nope. on all my chase cards
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline high end hobo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6293 on: May 24, 2017, 09:16:43 PM »
I never thought I would have to post in this thread.

I am a fairly small time chase guy.

I had Ritz, FU, F and IHG open with them, as well as a checking account
Two months ago I opened Marriott Biz, and BA.

Not sure if this is related,

Last month I had unusually high spend, but still not close to the CL

I got some fraud alerts on my freedom and freedom unlimited cards a week or two ago due to unusual purchases and those cards were put under 'review'

Last week I put a 7k third party check into the ATM and I got an SM that the endorsement didn't match so they're sending me a legal copy of the check.

Couple days ago I got that dreaded phone call from my wife, "none of my chase cards are working..."

All my personal and business cards are closed

I called chase executive and asked why my account was closed, they transferred me twice but I spoke to the guy who closed my account, he said my file came to his account recently for review and it was irrevocably closed due to too many recent request for credit, too many recent cards opened, and cards not used as intended, I asked what this meant he said that I added too many AUs (I had like 4 AUs, all of them added a long time ago) and they think I'm doing it to help people fix their credit and they don't like that. He told me the decision was final

I called again and asked chase executive to look into my account and reopen it. They asked me how I got their number 'for statistical purposes' I told them Google. They told me it will take two days then the person who is handling my case will call me to acknowledge they're on my case.

It sounds like a case out of this article http://www.doctorofcredit.com/chase-cancelling-accounts-recent-card-applicants-deem-risky/

Any tips for getting them reopened?

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6294 on: May 24, 2017, 09:32:06 PM »
With me they said also 2 days.
2 days later I called back and they now said to give them a couple of weeks to look into it
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6295 on: May 25, 2017, 12:48:37 AM »
Last month I had unusually high spend, but still not close to the CL

I got some fraud alerts on my freedom and freedom unlimited cards a week or two ago due to unusual purchases and those cards were put under 'review'

Last week I put a 7k third party check into the ATM and I got an SM that the endorsement didn't match so they're sending me a legal copy of the check.
It's as if you were trying to trigger a manual reviews of your accounts...
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline farmbochur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6296 on: May 25, 2017, 07:52:03 AM »
All my personal and business cards are closed
And what's the status of your UR?
Risk is opportunity

Offline high end hobo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6297 on: May 25, 2017, 08:44:22 AM »
And what's the status of your UR?
It's untouched, I think I have a month to use it. Will just transfer it all out to another UR account (within UR-UR transfer rules) if I can't get my cards reopened

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6298 on: May 25, 2017, 09:16:00 AM »
It's as if you were trying to trigger a manual reviews of your accounts...

so you think chase is playing fair?
they closed my accounts and when i asked why they wouldnt tell me why.
strange thing is that they left one business card opened

@MR Dan,
what do you suggest I do? is there a way to fight this?
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline 16guitar

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6299 on: May 25, 2017, 09:28:59 AM »
strange thing is that they left one business card opened
Same thing happened to me