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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 1146038 times)

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6015 on: December 22, 2016, 03:43:00 PM »
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
the reasons they gave me was things like lack of credit history.....

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6016 on: December 22, 2016, 03:44:03 PM »
my banker claims that he could only voucher for me if im CPC

Offline chbochur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6017 on: December 22, 2016, 03:44:18 PM »
the reasons they gave me was things like lack of credit history.....
Yea that's what they tell you now, but next time you apply in a few months that's what they'll say...

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6018 on: December 22, 2016, 03:45:18 PM »
my banker claims that he could only voucher for me if im CPC
and its not even guaranteed!

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6019 on: December 22, 2016, 03:47:44 PM »
my checking account wasnt closed B"H
and i was able to transfer my points

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Offline m.m.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6021 on: January 01, 2017, 03:15:36 PM »
all my chase cards were closed friday, and when i called they said that i have to wait for the letter, and the department isn't open today anyways.
is there anything i can do about it?

Offline chbochur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6022 on: January 01, 2017, 03:57:54 PM »
all my chase cards were closed friday, and when i called they said that i have to wait for the letter, and the department isn't open today anyways.
is there anything i can do about it?
Pray

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6023 on: January 01, 2017, 04:43:44 PM »
all my chase cards were closed friday, and when i called they said that i have to wait for the letter, and the department isn't open today anyways.
is there anything i can do about it?
Depends on the real reason.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline m.m.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6024 on: January 01, 2017, 04:44:15 PM »
Pray
yaakov went thru three approaches, prayer, fight, and gifts. ::)
that still leaves two open approaches, any ideas?

Offline m.m.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6025 on: January 01, 2017, 04:46:23 PM »
Depends on the real reason.
it didnt haven anything to do with chase ultimate points abuse
what other reasons would chase do it?
and whats the responce to that
« Last Edit: January 01, 2017, 04:52:20 PM by m.m. »

Offline chbochur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6026 on: January 01, 2017, 04:46:43 PM »
yaakov went thru three approaches, prayer, fight, and gifts. ::)
that still leaves two open approaches, any ideas?
You can try fighting but do it with skill and know what your fighting against:)

Offline m.m.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6027 on: January 01, 2017, 10:27:30 PM »
Depends on the real reason.
probaly had to do with to many cards, anything to do about that?

Offline m.m.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6028 on: January 02, 2017, 12:43:06 PM »
probaly had to do with to many cards, anything to do about that?
they told me that it was due to to many cards, and not enough history, and the only thing they can due is to send it for review, which is a 10 day process.
any chance here?
and one of my siblings also got shut down after me, but their ur, like mine is still open, is there any chance of that going without notice, as in should i me and my sibling transfer all out asap, or can we wait for the recon?

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6029 on: January 03, 2017, 01:40:02 AM »
they told me that it was due to to many cards, and not enough history, and the only thing they can due is to send it for review, which is a 10 day process.
any chance here?
and one of my siblings also got shut down after me, but their ur, like mine is still open, is there any chance of that going without notice, as in should i me and my sibling transfer all out asap, or can we wait for the recon?
good luck buddy thats what just happened to me
how many cards did you open?