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 1147082 times)

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6060 on: January 11, 2017, 10:50:27 PM »
What makes you so certain that they'll shut you down if you keep normal spending patterns
Data points.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Emgee

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2016
  • Posts: 124
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brookln
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6061 on: January 16, 2017, 05:05:32 PM »
I helped a relative of mine open a few chase cards after being shut down back several years ago when there was a big wave of shut down,  for his business and personal cards and bank accounts. They never really gave him normal explanation. He was approved like a month ago or so for the SR and the IP, today he received a letter for the IP that they are closing the card effective March 4. What should be his next step, call in, go to a branch, any help is appreciated.

 The letter said:  "We're writing you to let you know that we will be closing your credit card account on March 04, 2017 because continuing the relationship creates possible reputational risk to our company"

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6062 on: January 16, 2017, 05:08:03 PM »
I helped a relative of mine open a few chase cards after being shut down back several years ago when there was a big wave of shut down,  for his business and personal cards and bank accounts. They never really gave him normal explanation. He was approved like a month ago or so for the SR and the IP, today he received a letter for the IP that they are closing the card effective March 4. What should be his next step, call in, go to a branch, any help is appreciated.

 The letter said:  "We're writing you to let you know that we will be closing your credit card account on March 04, 2017 because continuing the relationship creates possible reputational risk to our company"
Get your points and let them close the card. Rinse and repeat.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Emgee

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2016
  • Posts: 124
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brookln
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6063 on: January 16, 2017, 05:10:46 PM »
Get your points and let them close the card. Rinse and repeat.
They are letting him take out the points until 30 days after March 04. That's not the issue here. He swipes 6 figures monthly on credit cards legitimately and really wants to keep the card to earn UR on real purchases.
« Last Edit: January 16, 2017, 05:20:30 PM by Emgee »

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6064 on: January 16, 2017, 05:14:49 PM »
They are letting him take out the points until 30 after March 04. That's not the issue here. He swipes 6 figures monthly on credit cards legitimately and really wants to keep the card to earn UR on real purchases.
What was the original shutdown for?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Emgee

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2016
  • Posts: 124
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brookln
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6065 on: January 16, 2017, 05:18:55 PM »
What was the original shutdown for?
Back then they didn't really give a normal explanation. they did say something about international Wire transfer ( which is a legitimate part of their business operations). Anyway, that sounded more like a lousy excuse, and what does that have to do with credit cards at all. He never did any shtick with opening or abusing cards.

Offline Emgee

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2016
  • Posts: 124
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brookln
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6066 on: January 16, 2017, 05:22:49 PM »
I helped a relative of mine open a few chase cards after being shut down back several years ago when there was a big wave of shut down,  for his business and personal cards and bank accounts. They never really gave him normal explanation. He was approved like a month ago or so for the SR and the IP, today he received a letter for the IP that they are closing the card effective March 4. What should be his next step, call in, go to a branch, any help is appreciated.

 The letter said:  "We're writing you to let you know that we will be closing your credit card account on March 04, 2017 because continuing the relationship creates possible reputational risk to our company"
Can a banker help in any way or its a waste of time going in to a branch?

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6067 on: January 16, 2017, 05:29:32 PM »
Can a banker help in any way or its a waste of time going in to a branch?
99 out of 100 waste of time in this situation.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Emgee

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2016
  • Posts: 124
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brookln
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6068 on: January 16, 2017, 05:44:56 PM »
99 out of 100 waste of time in this situation.
What about calling, writing?

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6069 on: January 16, 2017, 05:46:03 PM »
What about calling, writing?
You can try. I never say never.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6070 on: January 16, 2017, 06:52:01 PM »
"Reputational risk" suggests Chase uncovered a legal problem(s) of some sort. Has your friend ever been sued or arrested?

Offline Emgee

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2016
  • Posts: 124
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brookln
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6071 on: January 17, 2017, 11:25:25 AM »
"Reputational risk" suggests Chase uncovered a legal problem(s) of some sort. Has your friend ever been sued or arrested?
Nope. The only theory he has is, one of his business partners defaulted on several  PERSONAL loans 7-8 years ago. He is no longer partners with that person, but again, they never said this is the reason it's just a theory he has.

He already had his lawyer send letters to chase before, but of course it didn't move a needle. What other steps can he take to try to get back in?

Offline Emgee

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2016
  • Posts: 124
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brookln
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6072 on: January 17, 2017, 04:16:33 PM »
I helped a relative of mine open a few chase cards after being shut down back several years ago when there was a big wave of shut down,  for his business and personal cards and bank accounts. They never really gave him normal explanation. He was approved like a month ago or so for the SR and the IP, today he received a letter for the IP that they are closing the card effective March 4. What should be his next step, call in, go to a branch, any help is appreciated.

 The letter said:  "We're writing you to let you know that we will be closing your credit card account on March 04, 2017 because continuing the relationship creates possible reputational risk to our company"
I called the number on the letter the only thing the rep was able to say is " chase bank decided not to continue the relationship Bla bla bla.." they wouldn't even give a reason for closing. I asked if there anyone he can transfer me that may be able to help, he said, there's no one else to talk to.

Anything else i can try at this point or this is the end of it?

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6073 on: January 17, 2017, 04:20:11 PM »
Anything else i can try at this point or this is the end of it?
You can always go up the chain of command. What department was the letter from?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6074 on: January 17, 2017, 04:23:12 PM »
Received another IP card. Trying to make a new login but it wants me to use my old login. Anyway around this?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(