Topic Wiki

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 1686941 times)

Offline David Smith

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5840 on: January 14, 2016, 11:05:44 PM »
any success stories out of there?
I've heard yes, but don't know any personally.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline cubicles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5841 on: January 15, 2016, 12:04:35 PM »
any success stories out of there?
yes

Offline steves

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5842 on: January 28, 2016, 12:58:04 AM »
yes

Same here, after speaking to the executive department.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5843 on: January 28, 2016, 02:02:13 AM »
Same here, after speaking to the executive department.
How do you get hold of them?
Any direct number?

Offline Buruch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5844 on: February 01, 2016, 04:50:30 PM »
The exec number in the wiki is outdated. Anyone have a current one?

Offline Buruch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5845 on: February 01, 2016, 05:44:24 PM »
The current exec. number is 888-622-7547. Updated wiki

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5846 on: February 01, 2016, 05:50:44 PM »
The current exec. number is 888-622-7547. Updated wiki
Thanks

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5847 on: February 21, 2016, 08:22:15 PM »
Anyone here ever get this when trying to login online?
Quote
Your User ID and Password are inactive. To reactivate your online access, please call Customer Service at 1-877-242-7372. If you live outside the U.S., please contact Customer Service at 1-713-262-3300.

Offline Venilla

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5848 on: February 21, 2016, 08:26:32 PM »
Anyone here ever get this when trying to login online?
Looks to me like an online security issue. Just call, they won't bite...
I like vanilla but my name is Venilla.

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5849 on: February 21, 2016, 08:59:56 PM »
Looks to me like an online security issue. Just call, they won't bite...
That's what it was. But saying that Chase won't bite is far from a guarantee these days  :P

Offline Venilla

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5850 on: February 21, 2016, 09:03:24 PM »
That's what it was. But saying that Chase won't bite is far from a guarantee these days  :P
LOL! They could bite but the phone call won't cause it...
I like vanilla but my name is Venilla.

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5851 on: February 21, 2016, 09:05:03 PM »
LOL! They could bite but the phone call won't cause it...
Haha. Idk for me, I shudder every time I have to call Chase. Other banks, not at all.

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5852 on: February 24, 2016, 04:12:26 PM »
Anyone here ever get this when trying to login online?
Quote
Your User ID and Password are inactive. To reactivate your online access, please call Customer Service at 1-877-242-7372. If you live outside the U.S., please contact Customer Service at 1-713-262-3300.
And just happened again. So weird.

Offline Venilla

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5853 on: February 24, 2016, 04:13:55 PM »

Your User ID and Password are inactive. To reactivate your online access, please call Customer Service at 1-877-242-7372. If you live outside the U.S., please contact Customer Service at 1-713-262-3300.

And just happened again. So weird.
Have you changed you user ID/password last time?
I like vanilla but my name is Venilla.

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5854 on: February 24, 2016, 04:14:57 PM »
Have you changed you user ID/password last time?
It's still the same ID/Password from 2 years ago when I first created the account.

Offline Venilla

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5855 on: February 24, 2016, 04:15:30 PM »
It's still the same ID/Password from 2 years ago when I first created the account.
I think you should change it.
I like vanilla but my name is Venilla.

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5856 on: February 24, 2016, 04:17:41 PM »
I think you should change it.
Why? You think I was hacked? When I called Chase last time and asked why it happened, the rep said "who knows, maybe you logged in too much" and then just hung up. Didn't suggest I change my password or anything.

Offline ElizBuffers

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5857 on: February 25, 2016, 11:43:36 AM »
Is it strange to get shut down by Chase 2 cc and my checking but they left open a business ink card .... And how do I know when all the chase cards are cleared

Offline mod

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5858 on: March 12, 2016, 07:44:52 PM »
Anyone get a letter for ineligible transfer? Which accounts are they going to close?
They asked me to verify that the recipient is business owner or they may close this and any other accounts.
I have a business account that I need...
Any preemptive actions to take?
« Last Edit: March 12, 2016, 08:03:12 PM by mod »

Offline davs

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5859 on: March 12, 2016, 09:06:06 PM »
Anyone get a letter for ineligible transfer? Which accounts are they going to close?
They asked me to verify that the recipient is business owner or they may close this and any other accounts.
I have a business account that I need...
Any preemptive actions to take?
Got the same thing today.