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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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.2%)
No (Bli Ayin Horah)
444 (73.4%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.8%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
67 (11.1%)

Total Members Voted: 603

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1327919 times)

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #100 on: November 10, 2011, 12:04:47 PM »
I'd imagine the people opening new accounts are not the people reviewing accounts for this type of thing... that, too, doesn't surprise me.

Yup. As I like to say, large corporations typically have multiple departments which often have conflicting priorities, this is especially true with banks.

(*Another word for the word guy here on DDF.)

I'm flattered you're trying to impress me, you're going to have to try harder for it to work though :P

/condescending :P

i understand and that is probably what caused me to be shutdown im only showing abt 50k in income on the apps and i prob have about 50k in cl. But at the same time with my history of never carrying a balance u would think they would be willing to leave me with one card with a cl of <5k

I wouldn't ask for that, I would push for 'the best they could do'. Perhaps explain that you have household income and family assets that mitigate the risk of 'hardship'.

i understand that chase does that but to me it does not make any sense at all. I really would like to at leats keep one of my chase cards cause if i do i figue it will be easier to obtain more down the line in say6-12-18 months

I would think so as well.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #101 on: November 10, 2011, 12:07:18 PM »
I'm flattered you're trying to impress me, you're going to have to try harder for it to work though :P

/condescending :P

Impress you? Hardly... just throwing it out there because your a self-proclaimed "word guy."

#somewordguystakethemselvestooseriously


I wouldn't ask for that, I would push for 'the best they could do'. Perhaps explain that you have household income and family assets that mitigate the risk of 'hardship'.

+1
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #102 on: November 10, 2011, 12:09:10 PM »
Impress you? Hardly... just throwing it out there because your a self-proclaimed "word guy."

Ask anyone who knows me. Heck, do a search for posts by me with the word pun, if you need 'proof'.

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #103 on: November 10, 2011, 12:09:17 PM »
i wouldnt request one card with 5k cl i would try for best they can do for me but in a worst case scenario I really hope i can convince them to do that

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #104 on: November 10, 2011, 12:10:25 PM »
i wouldnt request one card with 5k cl i would try for best they can do for me but in a worst case scenario I really hope i can convince them to do that

How much out of the 50K do you have with Chase?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #105 on: November 10, 2011, 12:12:47 PM »
How much out of the 50K do you have with Chase?
only 13k

Offline Avid Reader

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #106 on: November 10, 2011, 12:12:50 PM »
That makes sense to me. If a guy has stated income of 50K and 15 credit cards with a combined limit of 100K, I'd see why they may want to be circumspect*.

(*Another word for the word guy here on DDF.)
+1

That's actually what one of the higher ups at Chase told me straight out, namely, that I had too much overall available credit compared to my income.
I'm not sure if this was with Citi or Chase but I clearly remember someone telling me that if I closed some of my existing cards, they'd reconsider my app.


Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #107 on: November 10, 2011, 12:14:37 PM »
That's actually what one of the higher ups at Chase told me straight out, namely, that I had too much overall available credit compared to my income.
I'm not sure if this was with Citi or Chase but I clearly remember someone telling me that if I closed some of my existing cards, they'd reconsider my app.

It's one thing to refuse extending you new credit based on that, and another to shut down all your accounts without warning or notice.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #108 on: November 10, 2011, 12:15:54 PM »
only 13k

Because it's only 13K, it doesn't play in your favor. I'd imagine the higher exposure you currently have with Chase, the higher the chance you'd be left with something at the end.

Still possible you'll be able to retain something though.

+1

That's actually what one of the higher ups at Chase told me straight out, namely, that I had too much overall available credit compared to my income.
I'm not sure if this was with Citi or Chase but I clearly remember someone telling me that if I closed some of my existing cards, they'd reconsider my app.


Note to self: stated income is more important that you originally thought.
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Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #109 on: November 10, 2011, 12:16:57 PM »
I doubt they will make known what they can offer you. Instead I believe they will ask you what cards you want to keep open and further review. Get all your acorns ready to show them, and include all household income if you've never stated it. But be ready to prove it if you do increase it. They may not wait (maybe they will?) for you to close out other issuers instead. I've been careful to not try to make my outstanding total lines exceed 50% of my stated income. This is the balancing act that one must do when getting into multiple established accounts, and nobody seems to know their propietory formulas for reviewing these scenarios.

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #110 on: November 10, 2011, 12:19:32 PM »
I doubt they will make known what they can offer you. Instead I believe they will ask you what cards you want to keep open and further review. Get all your acorns ready to show them, and include all household income if you've never stated it. But be ready to prove it if you do increase it. They may not wait (maybe they will?) for you to close out other issuers instead. I've been careful to not try to make my outstanding total lines exceed 50% of my stated income. This is the balancing act that one must do when getting into multiple established accounts, and nobody seems to know their propietory formulas for reviewing these scenarios.

I wouldn't close other issuers with the hope they might reinstate me. If the don't want my business I'll take it elsewhere.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #111 on: November 10, 2011, 12:20:55 PM »
I wouldn't close other issuers with the hope they might reinstate me. If the don't want my business I'll take it elsewhere.

They wouldn't lose any sleep over it.
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #112 on: November 10, 2011, 12:23:12 PM »
They wouldn't lose any sleep over it.

That wasn't my point. I'm just saying I wouldn't jeopardize my relationships with other banks with the hope that it'll appease Chase.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #113 on: November 10, 2011, 12:25:36 PM »
That wasn't my point. I'm just saying I wouldn't jeopardize my relationships with other banks with the hope that it'll appease Chase.

@myb821

Perhaps, if you like your Chase CCs more than others, you can get the rep who calls you back to promise reinstatement of (some) of your lines if you close down CCs of other banks. Just a thought.
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #114 on: November 10, 2011, 12:58:06 PM »
i understand and that is probably what caused me to be shutdown im only showing abt 50k in income on the apps and i prob have about 50k in cl. But at the same time with my history of never carrying a balance u would think they would be willing to leave me with one card with a cl of <5k
Seems to me that the problem may very well have been your relatively low stated income compared to total available credit...probably triggered some kind of FR.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #115 on: November 10, 2011, 02:46:12 PM »
i think i might have good news just logged into my account and my cards arent showing as closed anymore!!! i dont know if its permanent or not and becky hasnt called me or anything but im really hoping it ill stay this way!!!!!!!!!!!

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #116 on: November 10, 2011, 02:47:44 PM »
i think i might have good news just logged into my account and my cards arent showing as closed anymore!!! i dont know if its permanent or not and becky hasnt called me or anything but im really hoping it ill stay this way!!!!!!!!!!!

If you were previously not able to transfer UR and are not able to, you might want to consider doing so now.

You can also call CS and feel them out, maybe there are some notes...

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #117 on: November 10, 2011, 02:49:14 PM »
i think i will just wait and see if becky calls me back

Offline YudiG

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #118 on: November 10, 2011, 04:41:12 PM »
i think i will just wait and see if becky calls me back

im praying for you

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #119 on: November 10, 2011, 04:53:19 PM »
i called reg cs to see whats going on they said my cards are open including the Hyatt card which i had requested to be closed to open the southwest card. So instead of limiting their risk they have actually raised their risk