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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 1146039 times)

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6000 on: December 19, 2016, 02:04:52 PM »
#1 does getting shut down cause problems to my CR?
#2 how will getting shut down by chase affect me?

Offline yoss6400

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6001 on: December 20, 2016, 11:35:45 AM »
its about the right amount
seems they are only doing the ultimate rewards points

they only took UR others you didn't loose
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Offline princea143

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6002 on: December 22, 2016, 02:35:07 AM »
There is your answer. Sorry man.
Had the feeling too, but they've been so general and won't give any details as to why we got X'd.  Have you heard of anyone recently getting it reversed?

Offline princea143

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6003 on: December 22, 2016, 02:38:11 AM »
Yep. I had that too. Luckily they only shut down my checking account. B"H
When did this happen, and how did your cc's survive?  For me, the cards were taken out first for both my wife's and mine.  Checking/savings accounts will be closed effectively 12/28/16.  Did you also deposit MO in accounts??

Offline princea143

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6004 on: December 22, 2016, 02:41:49 AM »
Because I owed amex 17k, and it was reccomended to pay up first, so I hastily deposited everything I had into my account. MO's, structured checks...
Please elaborate on what you mean by "structured checks."

Offline princea143

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6005 on: December 22, 2016, 02:56:15 AM »
I got shut down a few years ago and lost about 100k points
Just got a letter from some class action stating they sued chase for stealing points during AAs and won and are getting some type of compensation now for all "victims"
Funny that you bring that up.  Chase is allowing me to deplete my accounts and transfer my points out before 12/28/16.  I've also received my points from last statement from the 11/29 statement close date.  I've got a group member in a hack group on FB who is an attorney who is focusing right now on consumer arbitration cases, and we are going to see what we can get from Chase.  Will update.  He helped a few others with Citi A/A closures of which Citi does not give the points back at all. Was able to get client a few thousand dollars in lieu of the points even if client preferred the points, but Citi would not even consider giving the points back.  Go figure.  Not as much as the millions of points but something nonetheless.

Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6006 on: December 22, 2016, 11:27:49 AM »
When did this happen, and how did your cc's survive?  For me, the cards were taken out first for both my wife's and mine.  Checking/savings accounts will be closed effectively 12/28/16.  Did you also deposit MO in accounts??
June 2016.
No idea why they didn't target my cc's.
They mentioned something about trying to cash a check that didn't deposit yet, so I don't think it was a regular AA. I basically did so many things wrong in 1 deposit, that they're like "this guy is getting shut down before we have to deal with the FBI".
Deposited 5k MO.
Deposited a check for 9k.
Deposited a different check for 8k.
(That is called structuring btw, where u intentionally try and avoid the 10k flag line)
Then I tried cashing the $ before it " officially" cleared.
It was a panic moment so its no wonder that I got shut down

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6007 on: December 22, 2016, 11:30:15 AM »
June 2016.
No idea why they didn't target my cc's.
They mentioned something about trying to cash a check that didn't deposit yet, so I don't think it was a regular AA. I basically did so many things wrong in 1 deposit, that they're like "this guy is getting shut down before we have to deal with the FBI".
Deposited 5k MO.
Deposited a check for 9k.
Deposited a different check for 8k.
(That is called structuring btw, where u intentionally try and avoid the 10k flag line)
Then I tried cashing the $ before it " officially" cleared.
It was a panic moment so its no wonder that I got shut down
Why didn't you use another bank?
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Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6008 on: December 22, 2016, 11:30:47 AM »
Why didn't you use another bank?
It was the only one I had. I was in middle of an FR. I was getting married within the week

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6009 on: December 22, 2016, 11:32:12 AM »
It was the only one I had. I was in middle of an FR. I was getting married within the week
Yea I remember, not a good time for an FR. It only takes a few minutes to open a new bank account though.
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Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6010 on: December 22, 2016, 11:37:58 AM »
Yea I remember, not a good time for an FR. It only takes a few minutes to open a new bank account though.
This is true. Time which I didn't have...
But yeah it shud prob go in the dumb mistakes thread

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6011 on: December 22, 2016, 11:38:59 AM »
But yeah it shud prob go in the dumb mistakes thread
Unfortunately true.
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Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6012 on: December 22, 2016, 02:57:09 PM »
Had the feeling too, but they've been so general and won't give any details as to why we got X'd.  Have you heard of anyone recently getting it reversed?
very general for me too
no real reason given

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6013 on: December 22, 2016, 03:00:43 PM »
i even had them review twice and had an executive call me back who claims that i should try again in a while and ill be fine.... he claims its only because of lack of credit history and 4 cc is too much! (3consumer 1business)

Offline chbochur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6014 on: December 22, 2016, 03:18:37 PM »
i even had them review twice and had an executive call me back who claims that i should try again in a while and ill be fine.... he claims its only because of lack of credit history and 4 cc is too much! (3consumer 1business)
Yea when you apply again they will tell you no because of an unsatisfactory relationship with chase... After two years or so they will finally give you a chance, don't mess it up like me... Go slow and spend slowly