Topic Wiki

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 1687108 times)

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6800 on: April 22, 2018, 09:15:57 PM »
I don’t recall any.

so my CC was shutdown Friday (coming from compliance department "no reason will be given"). my wifes accounts should remain open?

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6801 on: April 22, 2018, 09:41:48 PM »
That’s how it worked for me. No joint checking/savings correct?
I just found a new supply of forks!

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6802 on: April 22, 2018, 09:42:50 PM »
That’s how it worked for me. No joint checking/savings correct?

correct. I'm an AU on some her cards and V/V but otherwise separate

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6803 on: April 22, 2018, 09:52:36 PM »
so my CC was shutdown Friday (coming from compliance department "no reason will be given"). my wifes accounts should remain open?
Ask for a reason with in 60 days(may need written) . And if not given with in 30 days
Being that as per the Equal Credit Opportunity Act, any adverse action from a lender must include an explanation, (along a credit score used, and access to a CR) if they don't give a reasonable explanation, definitely file with the FTC/CFPB and maybe your state AG as well. I wonder if in such a case where you are denied your rights you have a better chance of reopening.

Take them to arbitration and ask for damages. Leverage that to get accounts opened.
« Last Edit: April 22, 2018, 10:00:18 PM by davidrotts63 »
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Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6804 on: April 22, 2018, 11:11:56 PM »
so my CC was shutdown Friday (coming from compliance department "no reason will be given"). my wifes accounts should remain open?
Nothing that you did recently that you think might have triggered it?
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Offline yossig

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6805 on: April 23, 2018, 11:49:43 AM »

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.
1. by me and some others i  know it was about a week but this is not concrete. they might/might not get closed
2. i never tried but in my my case it wasn't all the same address

Care to elaborate ?
maxing CL or close enogh

Good that will take the heat off me.  :)
didn't they shot you already? ;)

2 - never seen anything like that.
unfortunately this is the fact

Online sillypainter

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6806 on: April 23, 2018, 12:14:52 PM »
My wife's account was shut down 2 years ago, and my account was never shut down......I have a personal and a biz account with multiple INKS and personal cards, I think I was too valuable for them to lose me.

Offline yossig

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6807 on: April 23, 2018, 12:29:50 PM »
My wife's account was shut down 2 years ago, and my account was never shut down......I have a personal and a biz account with multiple INKS and personal cards, I think I was too valuable for them to lose me.
I actually do know of someone with a lot of liquid (mm) is his chase accounts that (still) wasn't shot down

Offline davidrotts63

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Offline mmgfarb

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"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 #6810 on: April 23, 2018, 02:23:16 PM »
What do you mean?
How to get inquiries removed?
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6811 on: April 23, 2018, 03:16:26 PM »
What do you mean?
Why is that step one? And what's the purpose of that.
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Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6812 on: April 24, 2018, 12:40:54 AM »
That is a violation.
and what does that entitle the AH to? Anything?
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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6813 on: April 24, 2018, 12:58:17 AM »
and what does that entitle the AH to? Anything?
IINM they have 30 days from your request to give a reason, original letter doesn't need.
CMIIW
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Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6814 on: April 24, 2018, 01:00:19 AM »
IINM they have 30 days from your request to give a reason, original letter doesn't need.
CMIIW
and assuming that the "unexpected activity" does not qualify for a reason, what would the AH be entitled to?
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6815 on: April 24, 2018, 01:03:33 AM »
and assuming that the "unexpected activity" does not qualify for a reason, what would the AH be entitled to?
Truthfully that should be a good enough reason, and no you aren't "entitled" anything, just as it's a violation you can legally sue which instead you can

Take them to arbitration and ask for damages. Leverage that to get accounts opened.

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Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6816 on: April 24, 2018, 01:15:14 AM »
Truthfully that should be a good enough reason, and no you aren't "entitled" anything, just as it's a violation you can legally sue which instead you can
Interesting.
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Offline SrulyS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6817 on: April 25, 2018, 07:35:15 PM »
The wiki and other sources mention that you can only transfer to a spouse but elsewhere it seems to say any member of your household.

1. What are the official terms?
2. Regardless of the answer to #1, is transferring to a non-spouse within the same household considered risky?
 


Offline Aps

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6818 on: April 27, 2018, 02:35:58 AM »
I have a question about using third party checks to pay my cc bill.
Does that mean that if someone gives me a check made out directly to chase card services and I use that to pay my cc bill, thats a problem?

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6819 on: April 27, 2018, 08:47:50 AM »


The wiki and other sources mention that you can only transfer to a spouse but elsewhere it seems to say any member of your household.

1. What are the official terms?
2. Regardless of the answer to #1, is transferring to a non-spouse within the same household considered risky?

1. Household
2. No
I have a question about using third party checks to pay my cc bill.
Does that mean that if someone gives me a check made out directly to chase card services and I use that to pay my cc bill, thats a problem?

Yes
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch