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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 1686787 times)

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6580 on: February 25, 2018, 05:18:16 PM »
I'm all ears here, just don't appreciate being called a troll, when all I did was give advice to someone asking.
It's about the bigger picture, not this one incident.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Fish Tank

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6581 on: February 25, 2018, 05:18:25 PM »
Call me out for feeding misinformation calling me a troll, is uslessAgain any misinformation?
No one said you were giving misinformation.

You can check the dictionary for the definition of a troll, but in this context it applies to one who keeps replying to others with useless questions, and suggestions. 

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6582 on: February 25, 2018, 05:20:00 PM »


No one said you were giving misinformation.

You can check the dictionary for the definition of a troll, but in this context it applies to one who keeps replying to others with useless questions, and suggestions.

What was a useless suggestion, or question?
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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6583 on: February 25, 2018, 05:20:44 PM »
It's about the bigger picture, not this one incident.
Misinformation, or posting nonsense (Non JS)? Where?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Fish Tank

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6584 on: February 25, 2018, 05:22:18 PM »
100% does, there is a big difference if it's for rewards abuse, or over utilization etc.
So post your experience.

Definitely do
So post your data points instead of dragging on the process by asking them question after question.

Data points are great. No need to pull teeth before posting them. Post what you know, and the questioner will let you (and everyone else) know whether it sufficiently answers their question.

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6585 on: February 25, 2018, 05:22:39 PM »
Misinformation, or posting nonsense (Non JS)? Where?
I'm not sure why you think JS is inherently different, you shouldn't be posting nonsense in JS either.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6586 on: February 25, 2018, 05:24:17 PM »


So post your experience.
BH I have no personal experience.

So post your data points instead of dragging on the process by asking them question after question.

Data points are great. No need to pull teeth before posting them. Post what you know, and the questioner will let you (and everyone else) know whether it sufficiently answers their question.
I gave my answer, the rest was to achieve a DP not to give one.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline hvaces42

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6587 on: February 25, 2018, 05:24:32 PM »
I'm not sure why you think JS is inherently different, you shouldn't be posting nonsense in JS either.
לאפוקי your signature ;D ;D
Fair warning - Any PMs sent in response to forum posts are fair game for ridicule in public.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6588 on: February 25, 2018, 05:24:57 PM »
I'm not sure why you think JS is inherently different, you shouldn't be posting nonsense in JS either.
AFAIK trolling is accepted there, not that I do it.
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Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6589 on: February 25, 2018, 05:26:08 PM »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Fish Tank

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6590 on: February 25, 2018, 05:31:17 PM »
100% does, there is a big difference if it's for rewards abuse, or over utilization etc.
Please post your data point regarding the above statement.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6591 on: February 25, 2018, 05:32:08 PM »
I gave my answer, the rest was to achieve a DP not to give one.
Next time state that. No one likes to be taken for a ride.

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6592 on: February 25, 2018, 05:32:17 PM »
Please post your data point regarding the above statement.
Simple. It's harder to get a an account closed for abuse reopened.
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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6593 on: February 25, 2018, 05:33:03 PM »
Next time state that. No one likes to be taken for a ride.
I gave advice, then asked a question, if the advice was dependent solely on the answer of the question, would that make any sense?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Fish Tank

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6594 on: February 25, 2018, 05:34:50 PM »
Do you know anyone that called and had luck with asking them to "reinvestigate the shutdown"  ??
Definitely do
You still haven't posted your data points regarding this. What happened in each instance? Which reason was reinstated, and which reason wasn't?

Offline hvaces42

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6595 on: February 25, 2018, 05:35:04 PM »
Simple. It's harder to get a an account closed for abuse reopened.
And it was made abundantly clear what the circumstance was yet you continued to ask. Reminds me of the game my kids play when one tells a story and the other kids just respond on and on "and...". Thats what it felt like. Go back and read it.
Fair warning - Any PMs sent in response to forum posts are fair game for ridicule in public.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6596 on: February 25, 2018, 05:35:19 PM »
Simple. It's harder to get a an account closed for abuse reopened.
Source?

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6597 on: February 25, 2018, 05:36:19 PM »
And it was made abundantly clear what the circumstance was yet you continued to ask. Reminds me of the game my kids play when one tells a story and the other kids just respond on and on "and...". Thats what it felt like. Go back and read it.
I asked what was the trigger, you replied with what AFAIK isn't a trigger, which I assumed was a simple miscommunication
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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6598 on: February 25, 2018, 05:36:34 PM »
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6599 on: February 25, 2018, 05:37:56 PM »
You still haven't posted your data points regarding this. What happened in each instance? Which reason was reinstated, and which reason wasn't?
My DPs are people that did it, if any of them choose to chime in and verify, that's up to them
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch