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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.4%)
No (Bli Ayin Horah)
439 (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
65 (10.9%)

Total Members Voted: 596

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1147084 times)

Offline efflpetzel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5865 on: March 15, 2016, 10:45:35 PM »
after being shut down around two years ago how do I rebuild my relationship with chase,

just start applying for a new card? (the wiki isn't that clear)

Offline DMYD

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5866 on: March 15, 2016, 10:52:20 PM »
after being shut down around two years ago how do I rebuild my relationship with chase,

just start applying for a new card? (the wiki isn't that clear)
Definitely apply for new card

Offline mgarfin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5867 on: March 15, 2016, 11:01:16 PM »
Definitely apply for new card
Would it make a difference as for what product you start with?

Offline DMYD

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5868 on: March 15, 2016, 11:10:46 PM »
Would it make a difference as for what product you start with?
That you can't know,  but probably the freedom or slate just to get approved and start from there.

Offline mod

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5869 on: March 17, 2016, 07:59:25 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?
Rep said that my accounts would be ok, but I won't be able to transfer points. Reliable?

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5870 on: March 17, 2016, 08:17:10 PM »
Is it a A/A risk to pay your bill with someone elses bank account over the phone?

Offline Ephraimh

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5871 on: March 17, 2016, 08:58:45 PM »
Is it a A/A risk to pay your bill with someone elses bank account over the phone?
Not really

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5872 on: March 17, 2016, 09:54:47 PM »
so I have 2 friends of my who got a later from chase that they account will be closed for transferring  points unless they send over proof that they are partner in the business

what is the best way to deal with that ?

one of them have about 800k points in the account and he cant do anything now with it ?

he asked me if its a good idea to say that he has no idea who did the transfer and it all fraud will that help or hurt him ?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5873 on: March 17, 2016, 09:58:10 PM »
so I have 2 friends of my who got a later from chase that they account will be closed for transferring  points unless they send over proof that they are partner in the business

what is the best way to deal with that ?

one of them have about 800k points in the account and he cant do anything now with it ?

he asked me if its a good idea to say that he has no idea who did the transfer and it all fraud will that help or hurt him ?
It said that they will close or they may close?

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5874 on: March 17, 2016, 10:55:16 PM »
It said that they will close or they may close?

Will close

Offline Dawie

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5875 on: March 17, 2016, 11:11:16 PM »
so I have 2 friends of my who got a later from chase that they account will be closed for transferring  points unless they send over proof that they are partner in the business

what is the best way to deal with that ?

one of them have about 800k points in the account and he cant do anything now with it ?

he asked me if its a good idea to say that he has no idea who did the transfer and it all fraud will that help or hurt him ?
did he try to transfer? my friend was able to transfer even after the letter (to spouse accounts and to airline)

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5876 on: March 17, 2016, 11:30:29 PM »
did he try to transfer? my friend was able to transfer even after the letter (to spouse accounts and to airline)

Yes not able to transfer

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5877 on: March 17, 2016, 11:40:28 PM »
Not really
Anyone pay there chase bills with other peoples bank accounts?

Offline theblakdavid

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5878 on: March 18, 2016, 03:25:11 AM »
Anyone pay there chase bills with other peoples bank accounts?
I have done it numerous times with no issues.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5879 on: March 18, 2016, 05:13:42 AM »