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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 1686820 times)

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6880 on: May 11, 2018, 12:13:28 PM »
Does not protect you to the slightest. Although it can help reopen the accounts if your banker escalates it.
DP's for banker escalating?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6881 on: May 11, 2018, 12:14:44 PM »
DP's for banker escalating?
Yup. I just had one someone tell me of a successful one with in the week, and of an unsuccessful one a week ago. Both times it was the banker who handled the escalation.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6882 on: May 11, 2018, 12:23:49 PM »
Yup. I just had one someone tell me of a successful one with in the week, and of an unsuccessful one a week ago. Both times it was the banker who handled the escalation.
Interesting, and what were the successful and unsuccessful peoples shutdown for?
“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 #6883 on: May 11, 2018, 12:25:32 PM »
Interesting, and what were the successful and unsuccessful peoples shutdown for?
The regular excuses.
Increased balances, to many inquiries etc
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline chilipalmer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6884 on: May 11, 2018, 12:31:20 PM »
4 years ago

Closer to 5 for me. June of 2013.

Offline wonderlust

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6885 on: May 13, 2018, 02:40:24 PM »
I have an excellent relationship with chase, multiple buiz cards with no balances no late payments yadayada & I haven’t applied for new cards anywhere in over yr. am
I putting myself at risk if I apply for 2 cards at once? How about 3? I want to get sthwst buiz& personal and also Ink. Is that risky? Thanks

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6886 on: May 13, 2018, 03:27:54 PM »
I have an excellent relationship with chase, multiple buiz cards with no balances no late payments yadayada & I haven’t applied for new cards anywhere in over yr. am
I putting myself at risk if I apply for 2 cards at once? How about 3? I want to get sthwst buiz& personal and also Ink. Is that risky? Thanks
seems like they are reviewing everything when going for new cards. So, proceed at your own risk.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline mord1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6887 on: May 17, 2018, 12:52:27 AM »
seems like they are reviewing everything when going for new cards. So, proceed at your own risk.
Is it a big risk at this point with chase to close my hyatt card bec of the AF and then open it again a few weeks later? i am passed my 2 year mark, since I got the bonus

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6888 on: May 19, 2018, 10:52:20 AM »
Hyatt done and SUB posted.
Card 2 and card 3 will be Ink Business.
What is the spend for Marriott business, 3k?
Marriott Business spend done and account closed.  >:(
Any chance I still get the SUB?
+ Points earned on all other purchases
3,054   
+ New cardmember bonus
75,000   
Total points transferred to Marriott
78,054
 
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6889 on: May 21, 2018, 09:52:48 PM »
+ Points earned on all other purchases
3,054   
+ New cardmember bonus
75,000   
Total points transferred to Marriott
78,054
Nice!
No changes on the Hyatt?
(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 #6890 on: May 21, 2018, 09:55:09 PM »
Nice!
No changes on the Hyatt?
Hyatt still good. Might have to name this CMC.
I just found a new supply of forks!

Offline US

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6891 on: May 22, 2018, 01:21:51 AM »
+ Points earned on all other purchases
3,054   
+ New cardmember bonus
75,000   
Total points transferred to Marriott
78,054
I feel lucky.  :)
I see you really are.

Offline myi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6892 on: May 22, 2018, 05:51:30 PM »
  Not sure of it's the right thread but,

   I had a Chase Ink business preferred Credit Card which was shut down due to unpaid balance of 60 days (the AF and the late fee which was assessed $95+$15 late fee),  there was a $70,000 credit line on this card which was also closed which was connected to this card, is there any way to salvage this credit line or even have the card reopened while getting back the $70,000 credit line?
  TIA
Quote
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Offline Z56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6893 on: May 24, 2018, 05:08:45 PM »
Hi all,

Just recently closed all my Criedt cards due to (Numerous credit Inquires, and high balances and more)

After reconsideration they reopened all my credit cards accounts!

 
“I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6894 on: May 24, 2018, 05:26:43 PM »
Hi all,

Just recently closed all my Criedt cards due to (Numerous credit Inquires, and high balances and more)

After reconsideration they reopened all my credit cards accounts!
Huge congrats!!
How long ago did they reopen it? (seems it's been getting harder lately.)
How many calls did it take for them to reconsider it?
How many reconsiderations did it take to reopen it?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Z56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6895 on: May 24, 2018, 06:43:03 PM »
Huge congrats!!
How long ago did they reopen it? (seems it's been getting harder lately.)
How many calls did it take for them to reconsider it?
How many reconsiderations did it take to reopen it?

Very simple

They closed it less than 2 weeks ago.
1 simple phone call. I had my CPC call as well (don’t think that helped)
I must say I know chase was right for closing me down🙊
“I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6896 on: May 24, 2018, 06:48:35 PM »
Very simple

They closed it less than 2 weeks ago.
1 simple phone call. I had my CPC call as well (don’t think that helped)
I must say I know chase was right for closing me down
Really lucky.
I just began plan J (about accurate) for my mother. Plan G is still ongoing as well.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline S209

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6897 on: May 24, 2018, 07:31:32 PM »
Is it a big risk at this point with chase to close my hyatt card bec of the AF and then open it again a few weeks later? i am passed my 2 year mark, since I got the bonus
Don't close it. Keep it open, the annual free night is worth more than the $75 fee
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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6898 on: May 24, 2018, 07:33:29 PM »
Don't close it. Keep it open, the annual free night is worth more than the $75 fee
Reread OP
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

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