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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 1687175 times)

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6340 on: June 12, 2017, 08:22:24 PM »
Which bank also has the best checkings/savings for domestic
BOA/TD/Santander/WellsFargo?
CU's like Alliant gives 1% and respectable BP. Not sure what you want to use it for.
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Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6341 on: June 13, 2017, 12:59:53 AM »
Is there anything that is similar to QP?

Which bank also has the best checkings/savings for domestic
BOA/TD/Santander/WellsFargo?

Almost every bank has quickpay now.
https://www.zellepay.com/participating-banks-and-credit-unions

Offline myi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6342 on: June 13, 2017, 01:04:37 AM »
Almost every bank has quickpay now.
https://www.zellepay.com/participating-banks-and-credit-unions
Is it already in place with td bank with qp? I heard there implementing this idea, but did it actually happen?
Quote
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Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6343 on: June 13, 2017, 01:12:42 AM »
Is it already in place with td bank with qp? I heard there implementing this idea, but did it actually happen?

Many bank have it already and I think others are implementing in the next month or two.

I know Wells Fargo and BofA have it up and running.

Chase is rebranding QP to "QuickPay with Zelle" and the other banks will all be on the same platform.

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6344 on: June 13, 2017, 07:59:36 AM »
Almost every bank has quickpay now.
https://www.zellepay.com/participating-banks-and-credit-unions
Is it already in place with td bank with qp? I heard there implementing this idea, but did it actually happen?
Many bank have it already and I think others are implementing in the next month or two.

I know Wells Fargo and BofA have it up and running.

Chase is rebranding QP to "QuickPay with Zelle" and the other banks will all be on the same platform.
What's the limits?
I just found a new supply of forks!

Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6345 on: June 13, 2017, 08:51:55 AM »
What's the limits?
It might depend on the bank, but my Wells Fargo account has a daily send limit of 2.5k, 30 day 4k to new recipients and 20k to established recipients, and a receive limit of 10k per day.

BofA limits are
Quote
You can send up to 10 transfers with an aggregate dollar limit of $2,500 during any 24-hour period. You cannot send more than 30 transfers with an aggregate dollar amount of $20,000 in any 30-day period.
« Last Edit: June 13, 2017, 08:57:08 AM by yitzf »

Offline greathummer7

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6346 on: June 13, 2017, 12:30:33 PM »
Got a note that Wells Fargo is going w/ Zelle as well.

Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6347 on: June 13, 2017, 01:20:29 PM »
can someone who has chase QP be able to send a payment to someone who has a different bank but has QP?
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Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6348 on: June 13, 2017, 02:20:20 PM »
can someone who has chase QP be able to send a payment to someone who has a different bank but has QP?
yes (but why in this thread ::))

Offline runnergirl

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6349 on: June 15, 2017, 08:46:08 AM »
Between my husband and I we have (or had) 17 Chase cards between business and consumer and we have a joint bank account at Chase. A few weeks ago all of the consumer accounts were shut down and a few of the business accounts were shut down but not all of them. My bank account is still up and running too. I received the letters in the mailing advising that Chase no longer wanted to do business with us anymore and it listed the accounts they would be closing. Here are my questions:

1) Do you think it is safe to transfer all of my UR points to one of the still opened accounts or does it seem risky?
2) I've called Chase and will not give me any info on why the accounts were shut down. Who can I call to get them reinstated without bringing to attention the cards that were not shut down?

The Chase accounts that were not shut down have been used successfully since my general shut down.

Any info or insights would be greatly appreciated.


Offline Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6350 on: June 15, 2017, 10:26:08 AM »
Between my husband and I we have (or had) 17 Chase cards between business and consumer and we have a joint bank account at Chase. A few weeks ago all of the consumer accounts were shut down and a few of the business accounts were shut down but not all of them. My bank account is still up and running too. I received the letters in the mailing advising that Chase no longer wanted to do business with us anymore and it listed the accounts they would be closing. Here are my questions:

1) Do you think it is safe to transfer all of my UR points to one of the still opened accounts or does it seem risky?
2) I've called Chase and will not give me any info on why the accounts were shut down. Who can I call to get them reinstated without bringing to attention the cards that were not shut down?

The Chase accounts that were not shut down have been used successfully since my general shut down.

Any info or insights would be greatly appreciated.



are they also going to shut down your checkings and savings?
when they did it to me, my checkings and savings worked for a few weeks until the shut down date, even though my credit cards were shut right away
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Offline PBaruch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6351 on: June 15, 2017, 10:44:59 AM »
I'm surprised that everything was not closed. Usually chase closes all accounts.  If they close for a credit related risk they give you 30 days to get ur points out.  Chase will never tell you why they closed your accounts.
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Offline runnergirl

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6352 on: June 15, 2017, 11:34:11 AM »
are they also going to shut down your checkings and savings?
when they did it to me, my checkings and savings worked for a few weeks until the shut down date, even though my credit cards were shut right away

Yes that is what is strange. My checking account is still active as are many business cards. Do you think I would be able to get more information if I went into my branch?

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6353 on: June 15, 2017, 11:38:25 AM »
Do you think I would be able to get more information if I went into my branch?
No.
I just found a new supply of forks!

Offline runnergirl

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6354 on: June 15, 2017, 11:46:31 AM »
No.
So on your opinion do you think I should transfer all of my UR points out even though I have about 5 Business Chase cards that weren't shut down?
Is it just a matter of time before they realized they missed some?

Offline high end hobo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6355 on: June 15, 2017, 09:07:08 PM »
I'm surprised that everything was not closed. Usually chase closes all accounts.  If they close for a credit related risk they give you 30 days to get ur points out.  Chase will never tell you why they closed your accounts.
-1 in the shutdown letters they told me why as well as over the phone when I called and asked why

Offline PBaruch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6356 on: June 15, 2017, 09:08:55 PM »
-1 in the shutdown letters they told me why as well as over the phone when I called and asked why

Yes they say they don't want to have a relationship with you anymore. I do not know of anyone who was told a more specific reason. 
What do you do after your dreams come true?

Offline high end hobo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6357 on: June 15, 2017, 09:11:21 PM »
Yes they say they don't want to have a relationship with you anymore. I do not know of anyone who was told a more specific reason.
I was told specific reasons!!

A few pages ago I wrote my story outlining this

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6358 on: June 16, 2017, 10:49:06 AM »
I was told specific reasons!!

A few pages ago I wrote my story outlining this
Me too, there are many people that get reasons.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6359 on: July 12, 2017, 04:09:52 PM »
Chase just closed 4 of my personal cards & business card (totaling 74k). The reasons they closed it is because:
A) rapid increase in revolving balances
B) not enough credit info on file (whatever that means)
C) the accounts on your credit report have not been open long enough

My question is 1) why did they trust me by approving me for these cc's if they don't have enough info on file 2) should I try to HUCA or is it a waste of time & 3) what happeneds with my credit report? Do they report it as my account were revoked? Won't that kill my credit?
I have 1 SPG card that I can still use to build myself up how long of a process will that be?