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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 1327925 times)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #120 on: November 10, 2011, 05:20:03 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

Ha, so now you have a 5th card and X amount more credit line? Mazel tov :)
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #121 on: November 10, 2011, 05:22:23 PM »
Happy to hear of more DDF'ers escaping from Chase AAs.
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 #122 on: November 10, 2011, 05:23:10 PM »
AAs?
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #123 on: November 10, 2011, 05:24:08 PM »
Adverse Action.
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 #124 on: November 10, 2011, 05:28:14 PM »
i still want to hear from becky and see what she says if i dont hear from her i may call he rin the morning

Offline YudiG

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #125 on: November 10, 2011, 05:33:26 PM »
i still want to hear from becky and see what she says if i dont hear from her i may call he rin the morning

why push your luck?

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #126 on: November 10, 2011, 05:34:34 PM »
just want to confirm everything will stay the way it is.

Offline YudiG

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #127 on: November 10, 2011, 05:36:52 PM »
just want to confirm everything will stay the way it is.

I hear that..let us know if they give any reason as to what the heck happened...

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #128 on: November 10, 2011, 05:37:41 PM »
I hear that..let us know if they give any reason as to what the heck happened...
will do. so of my 3BM i got bold and southwest personal whats the chance i can get becky to close lets say my hyatt again to open southwest biz card  ;D. Pushing it a little maybe ::)

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #129 on: November 10, 2011, 05:55:29 PM »
i still want to hear from becky and see what she says if i dont hear from her i may call he rin the morning
I would strongly suggest that if your accounts are open to just let it go.
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Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #130 on: November 10, 2011, 08:13:50 PM »
myb821,
Really happy for you that it has some sorta happy(?) ending!

Read this news article on a similar situation that happned this year.   all we can real see is SHAME ON CHASE!

http://www.kgw.com/news/Chase-shuts-down-account-in-good-standing-130203638.html



Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #131 on: November 10, 2011, 09:51:05 PM »
Also, i see you mention calling Becky.. did she give you a direct number to reach her?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #132 on: November 10, 2011, 10:51:37 PM »
 Glad everything worked out! And by me too, when they reopened my shut down accounts they also opened a card that was previously closed( by me)   ::)

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #133 on: November 10, 2011, 11:09:08 PM »
Glad everything worked out! And by me too, when they reopened my shut down accounts they also opened a card that was previously closed( by me)   ::)
better leverage for the future

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #134 on: November 11, 2011, 08:23:50 AM »
just want to report i spoke to becky this morning she said all my accounts have been re-opened with the same credit lines and are in good standing!

Offline sky121

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #135 on: November 11, 2011, 08:25:28 AM »
just want to report i spoke to becky this morning she said all my accounts have been re-opened with the same credit lines and are in good standing!

What a headache. Glad it all worked out in the end though.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #136 on: November 11, 2011, 10:01:57 AM »
just want to report i spoke to becky this morning she said all my accounts have been re-opened with the same credit lines and are in good standing!

That's only half the report... what did she caused it?
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #137 on: November 11, 2011, 10:06:41 AM »
That's only half the report... what did she caused it?
she said that she doesnt deal with it directly but emailed some department that deals with it and they didnt give her the details

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #138 on: November 11, 2011, 10:10:34 AM »
she said that she doesnt deal with it directly but emailed some department that deals with it and they didnt give her the details

Boo to that response, but I'm happy you came out even better than unscathed.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #139 on: November 11, 2011, 11:10:29 AM »
It's good to hear things worked out