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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 1686802 times)

Online AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1140 on: May 03, 2012, 02:42:44 PM »
I get the feeling there is a bunch more "waiting in the wings" that haven't come forward, unfortunately.

I got some PMs to that effect, but I won't speak for people who won't speak for themselves. I suspect abcxyzzz is one of those people who PM
d me (with a different DDF username, maybe a mod can check that).

someone should really take them to small claims court for their points. at least the people who are shut down for credit reasons and not "not intended purpose" should have a good chance

SCC is nothing, they'll just get 1-1.5cpp, which is a drop in the bucket for Chase. I don't think it'll set a legal precedent that they have to pay for points of everyone who is A/A'd.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1141 on: May 03, 2012, 02:46:49 PM »
for someone who was 100-200k points thats still a few thousand dollars

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1142 on: May 03, 2012, 02:47:40 PM »
for someone who was 100-200k points thats still a few thousand dollars

Fair enough, but it won't change anything as far as everyone else is concerned, that's my take anyway.
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Offline Side incomer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1143 on: May 03, 2012, 02:49:06 PM »
do they know you at the branch?
The whole Chase branch here knows me very well, and use me from time to time to promote their business thru various ways. I have helped them a lot, and in exchange I benefited a lot, getting big things pushed thru (including a mortgage for a Cong.), but when my wife got AA'd, they couldn't do anything. I had the manager calling in 3 times, and no go!!
So, this is NOT the solution in this case.
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Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1144 on: May 03, 2012, 03:25:17 PM »
yesh li mishpacha she'oved shama v'hoo bekeish mi banker prati laazor li, vzeh lo asah kloom bishvili

Lo echpat lahem im yesh lecha harbei kesef

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1145 on: May 03, 2012, 03:28:37 PM »
yesh li mishpacha she'oved shama v'hoo bekeish mi banker prati laazor li, vzeh lo asah kloom bishvili

Lo echpat lahem im yesh lecha harbei kesef

Im hu oved shama, lama hu lo yachol laazor beatzmo?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1146 on: May 03, 2012, 03:46:29 PM »
Im hu oved shama, lama hu lo yachol laazor beatzmo?
yesh li mishpacha she'oved shama v'hoo bekeish mi banker prati laazor li, vzeh lo asah kloom bishvili

Lo echpat lahem im yesh lecha harbei kesef
min hastam shehbanker prati yoter chshuv mbanker ragil

Offline Yellow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1147 on: May 03, 2012, 03:58:00 PM »
Has anyone who was shut down gone to a branch and see if they can help?
I know dan has mentioned that it works sometime with recon

When I went into the branch (when I was AA'd) it wasn not helpful at all. They were basically just as confused/irritated as I was about the whole situation
I got some PMs to that effect, but I won't speak for people who won't speak for themselves. I suspect abcxyzzz is one of those people who PM
d me (with a different DDF username, maybe a mod can check that).
I also got 2 PM's today from people who were AA'd....


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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1148 on: May 03, 2012, 03:59:34 PM »
I also got 2 PM's today from people who were AA'd....

Probably (some of) the same people that PM'd me, I encouraged them to come outta hiding and post here.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1149 on: May 03, 2012, 04:02:56 PM »
same here got like 3-4 in past few days

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1150 on: May 03, 2012, 04:04:42 PM »
Why are they PM'ing all of you?
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 AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1151 on: May 03, 2012, 04:06:03 PM »
I'd imagine for advice?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1152 on: May 03, 2012, 04:06:33 PM »
Why are they PM'ing all of you?

Ask them? :P
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1153 on: May 03, 2012, 04:07:14 PM »
If those that are AA'd don't want to post under their DDF name for some reason, let them post under a new name, there's no reason for mods to expose them, they have a right to privacy. I actually recommend they do that, there's alot of info we can figure out from them.
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Offline Name Changed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1154 on: May 03, 2012, 04:24:47 PM »
I hope they at least participated in the poll


Offline abcxyzzz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1155 on: May 03, 2012, 04:38:38 PM »
I got some PMs to that effect, but I won't speak for people who won't speak for themselves. I suspect abcxyzzz is one of those people who PMd me (with a different DDF username, maybe a mod can check that).

Hmm..that's my first post on Dan's Deals ever, so I didn't PM you earlier.  PM you about what anyway?  I don't even know what the acronymn A/A means, I just know it has something to do with being screwed by Chase.



Edited to fix quote tag
« Last Edit: May 03, 2012, 05:18:08 PM by abcxyzzz »

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1156 on: May 03, 2012, 05:00:25 PM »
Why in the world would they not come forward?

Offline Avid Reader

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1157 on: May 03, 2012, 05:07:59 PM »
I hope they at least participated in the poll



The poll is skewed and doesn't reflect the reality anyhow.

Each user can only vote once. That doesn't reflect the 5 people I'm in touch with besides myself who also got A/A'd (and are not DDF members). We know that it's common practice for chase to shut down whole households when they feel the urge to take A/A. That's definitely not reflected in the above, so it's kinda misleading actually.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1158 on: May 03, 2012, 05:09:49 PM »
yesh li mishpacha she'oved shama v'hoo bekeish mi banker prati laazor li, vzeh lo asah kloom bishvili

Lo echpat lahem im yesh lecha harbei kesef
Why is this so secretive that it has to be in Hebrew? No big chiddush in it.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1159 on: May 03, 2012, 05:11:36 PM »
Dvarim ka'eilah, shehu bikeish mimishehu la'azor oto, kdai lo l'hagid b'anglit.