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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 (10.4%)
No (Bli Ayin Horah)
439 (73.5%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
64 (10.7%)

Total Members Voted: 595

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1146034 times)

Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5925 on: September 05, 2016, 01:01:24 PM »
Anyone recently got approved on a new card after being shut down?

If so how long ago was the A/A

Got shut down in 2013, applied for the CSR last week and was instantly approved (got the card already).

Offline TimT

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5926 on: September 05, 2016, 01:18:15 PM »
Got shut down in 2013, applied for the CSR last week and was instantly approved (got the card already).
Did you try over the last few years ?

Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5927 on: September 05, 2016, 01:40:43 PM »
Did you try over the last few years ?

No, this was the first time.

Offline Name Changed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5928 on: September 05, 2016, 02:40:26 PM »
Got shut down in 2013, applied for the CSR last week and was instantly approved (got the card already).
Nice.

I have been shut about 2 years ago - for International wires... (or at least that is what I believe).

Will try to apply sometime soon.

Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5929 on: September 05, 2016, 02:50:00 PM »
Nice.

I have been shut about 2 years ago - for International wires... (or at least that is what I believe).

Will try to apply sometime soon.

Mine was for maxing out the 5x on multiple INK cards.

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5930 on: September 06, 2016, 09:15:05 AM »
Mine was for maxing out the 5x on multiple INK cards.
They A/A'd you for taking them up on a perk that they offer?  ???

Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5931 on: September 06, 2016, 12:33:21 PM »
They A/A'd you for taking them up on a perk that they offer?  ???

I was too good of a customer, they couldn't handle the love (or was it tough love :) ).

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5932 on: September 06, 2016, 12:35:10 PM »
I was too good of a customer, they couldn't handle the love (or was it tough love :) ).
There has to have been some other reason why they A/A'd you... Many people max out their Ink(s).

Offline EJB

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5933 on: September 06, 2016, 01:15:22 PM »
There has to have been some other reason why they A/A'd you... Many people max out their Ink(s).

Don't see why there has to be some other reason, and I've heard of some (but not many) similar cases. If you have 10 inks and only buy office supplies with them until the max, I'd A/A you too.

Offline benjie1305

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5934 on: September 06, 2016, 02:33:45 PM »
There has to have been some other reason why they A/A'd you... Many people max out their Ink(s).

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Offline Zevwolf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5935 on: September 11, 2016, 12:44:41 PM »
I and my wife were both shut down over 2 years ago for having too much credit, we didn't apply again till now. Last week we both applied for the CSR got pending on both, my wife called they said denied because previous problems with the bank she asked to reconsider a few minutes on hold approved no questions asked. My app was pending for over a week now approved did not need to call.

Offline Hershelsdeals

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5936 on: September 13, 2016, 02:43:11 PM »
If a guy was kicked out of Chase for banking reasons like International wires... for no good reason, if he wants to get back into Chase is it better to apply for a new card or first try a checking account

Offline Hershelsdeals

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5937 on: September 14, 2016, 09:13:23 PM »
If a guy was kicked out of Chase for banking reasons like International wires... for no good reason, if he wants to get back into Chase is it better to apply for a new card or first try a checking account
Bump

Online knowitall

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5938 on: September 19, 2016, 12:31:31 PM »
A family member of mine was just shut down.

They had 5 cards open from chase (no bank accounts), perfect credit, utilization always less than 5%, some of the chase cards were open for 2 years and had paid AF.

They were going to place a 7k$ order so they called and let chase know.
They never did place but the order. A few days later chase shut all their cards.
They didn't have any UR.
They called chase exec dept. But after reviewing the case we didn't get any more info.
The letter we got said accounts were closed due to "unexpected activity". The only shtick that was played was with the AF on the ritz card a few months before. I highly doubt that was a factor here.

Offline Torkay

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5939 on: September 19, 2016, 01:07:22 PM »
A family member of mine was just shut down.

They had 5 cards open from chase (no bank accounts), perfect credit, utilization always less than 5%, some of the chase cards were open for 2 years and had paid AF.

They were going to place a 7k$ order so they called and let chase know.
They never did place but the order. A few days later chase shut all their cards.
They didn't have any UR.
They called chase exec dept. But after reviewing the case we didn't get any more info.
The letter we got said accounts were closed due to "unexpected activity". The only shtick that was played was with the AF on the ritz card a few months before. I highly doubt that was a factor here.
How can you say that you highly doubt that was a factor? It's the only think out of the ordinary that was done on the account.   How much credit was extended to this person through chase, and how much income did he report?