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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 1687543 times)

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3480 on: October 14, 2013, 04:12:58 PM »
I am sorry to say but if anyone thinks that chase is targeting jews then they have real problems.

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3481 on: October 14, 2013, 04:16:13 PM »
because that's what it is lots of yeshivas and kollim got shut down

Correlation doesn't equal causation. Maybe the kollels (and lehavdil churches and plumbers) who got shut down were for credit/abuse issues, and had nothing to do with their Jewish associations or lack thereof?
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Offline jaywhy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3482 on: October 14, 2013, 04:16:24 PM »
I am sorry to say but if anyone thinks that chase is targeting jews then they have real problems.
+1

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3483 on: October 14, 2013, 04:18:13 PM »
Hope they are going after Jews. Then the rest of can go crazy with spend.  :)
Only on DDF does 24/6 mean 24/5/half/half

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3484 on: October 14, 2013, 04:20:04 PM »
Hope they are going after Jews. Then the rest of can go crazy with spend.  :)
haha  ;D

Offline Name Changed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3485 on: October 14, 2013, 04:21:38 PM »
Hope they are going after Jews. Then the rest of can go crazy with spend.  :)
They might confuse you to be a Jew. ;)

Offline Red

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3486 on: October 14, 2013, 04:29:04 PM »
They might confuse you to be a Jew. ;)
ALOL

Offline how

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3487 on: October 14, 2013, 04:30:48 PM »
yes
See the poll above before you state 'ein Bayis asher ein shum meis' your causing a panic

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3488 on: October 14, 2013, 04:32:10 PM »
They might confuse you to be a Jew. ;)
So they will AA me for the third time?
Only on DDF does 24/6 mean 24/5/half/half

Offline rots5

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3489 on: October 14, 2013, 04:32:53 PM »
Correlation doesn't equal causation. Maybe the kollels (and lehavdil churches and plumbers) who got shut down were for credit/abuse issues, and had nothing to do with their Jewish associations or lack thereof?
nu uh! okay... there anti semites... i knew it!

ilerman go for it dont listen to these naysayers, pls continue to spew fourth your lack of knowledge. of course there coming after them jews!
If you have any questions please search and then ask. PM me for detailed help.

Offline yoss6400

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3490 on: October 14, 2013, 04:33:57 PM »
So they will AA me for the third time?
were you AA twice?
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Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3491 on: October 14, 2013, 04:35:35 PM »
See the poll above before you state 'ein Bayis asher ein shum meis' your causing a panic
1. it was discusses already that the poll is basically meaning less.
2. you're right he is causing a panic and making it way worse than it is.
You can say what you think when you think what you say.

Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3492 on: October 14, 2013, 04:38:51 PM »
nu uh! okay... there anti semites... i knew it!

ilerman go for it dont listen to these naysayers, pls continue to spew fourth your lack of knowledge. of course there coming after them jews!
Why are you cutting into my name?????
Any link where I said they are targeting jews?
You can say what you think when you think what you say.

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3493 on: October 14, 2013, 04:39:29 PM »
were you AA twice?
Yes, if I hit #3 will I hold some kind of a record?  :)
Only on DDF does 24/6 mean 24/5/half/half

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3494 on: October 14, 2013, 04:40:24 PM »
Yes, if I hit #3 will I hold some kind of a record?  :)
Honorary jew of the year ;)
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 Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3495 on: October 14, 2013, 04:41:08 PM »
The people blaming this on anti-semitism should be ashamed of themselves.
I mean really, really ashamed.
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 sky121

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3496 on: October 14, 2013, 04:41:58 PM »
"Not all who wander are lost"

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3497 on: October 14, 2013, 04:42:44 PM »
The people blaming this on anti-semitism should be ashamed of themselves.
I mean really, really ashamed.
could not agree more

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3498 on: October 14, 2013, 04:44:53 PM »
Honorary jew of the year ;)
Lol
What is so funny. Now I have something to work for.  :P
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Offline Alexsei

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3499 on: October 14, 2013, 04:48:45 PM »
wow
Jews ≠ Zionists
Palestinians ≠ Hamas
Satmar ≠ SatmarHQ