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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 1687564 times)

Offline shapsam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6780 on: April 22, 2018, 10:22:38 AM »
Are you sure? How about spouse?
How would that know that it's a family member/spouse?

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6781 on: April 22, 2018, 10:24:32 AM »
How would that know that it's a family member/spouse?
By name. Address. The same way they know when it isn't.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6782 on: April 22, 2018, 10:28:51 AM »
Would a check from me for my mother's account(, or vice versa etc) Be considered a third party check, or family members is OK?
I pay all my kids accounts from mine (EFT) but remember Chase loves me.  :)
I just found a new supply of forks!

Offline shapsam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6783 on: April 22, 2018, 10:30:11 AM »
By name. Address. The same way they know when it isn't.
That's why it can be harder to catch, but it's still a regular third party check.
If you add yourself as an AU there shouldn't be any problem.

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6784 on: April 22, 2018, 10:31:01 AM »
I pay all my kids accounts from mine (EFT) but remember Chase loves me.  :)
Just clarifying, no I am NOT super nice and paying my mother's bills, I just MS with her accounts. :)
I assume the same with you?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6785 on: April 22, 2018, 10:33:13 AM »
I assume the same with you?
Very little spend except IP cards.
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6786 on: April 22, 2018, 11:21:17 AM »
Very little spend except IP cards.
What category are you taking advantage of there? Travel?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6787 on: April 22, 2018, 11:26:21 AM »
Office stores.
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6788 on: April 22, 2018, 11:27:14 AM »
Office stores.
I took IP as Ink Preferred, plus at office supplies makes more sense
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6789 on: April 22, 2018, 11:29:37 AM »
I took IP as Ink Preferred,
Young grasshopper.  :)
I just found a new supply of forks!

Offline yossig

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6790 on: April 22, 2018, 11:59:24 AM »
there is a wave of shot downs going on now
so BE CAREFUL!!

Offline yossig

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6791 on: April 22, 2018, 12:12:50 PM »
AFAIK there is 2 factors
1- very high charges/balances
2- (big) charges by a certain company ppl use for spending
please add any additional DP

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6792 on: April 22, 2018, 12:25:03 PM »
AFAIK there is 2 factors
1- very high charges/balances
2- (big) charges by a certain company ppl use for spending
please add any additional DP

Got hit fri. But mines coming from compliance department. Which certain company

Online TimT

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6793 on: April 22, 2018, 12:26:38 PM »
1- very high charges
Care to elaborate ?

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6794 on: April 22, 2018, 12:26:57 PM »


AFAIK there is 2 factors
1- very high charges/balances
2- (big) charges by a certain company ppl use for spending
please add any additional DP

1- meh, high spending is a trigger. Bit so much to spend then incurring interest etc.
2 - never seen anything like that.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6795 on: April 22, 2018, 01:22:39 PM »
there is a wave of shot downs going on now
so BE CAREFUL!!
Good that will take the heat off me.  :)
I just found a new supply of forks!

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6796 on: April 22, 2018, 03:00:08 PM »
1. anyone have timing of how long till other accounts in household get shutdown.

2. anyone try changing the address of other people in the household before shutdown to potentially avoid linking the accounts.

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6797 on: April 22, 2018, 04:07:23 PM »
Never had collateral household damage.
I just found a new supply of forks!

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6798 on: April 22, 2018, 08:12:05 PM »
Never had collateral household damage.

Have you heard reports of such?

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6799 on: April 22, 2018, 08:24:32 PM »
Have you heard reports of such?
I don’t recall any.
I just found a new supply of forks!