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 (73.5%)
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 1145981 times)

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6090 on: January 20, 2017, 03:26:15 AM »
3 days ago they put my cards on hold, today i called up and they said that they closed all my accounts because of. A. To many requests for credit. B. For irregular spending, and the rep told me that he doesn't agree with the decision so he put it in for review to be reinstated.
I did have a fr from amex last year, but i closed them down myself,
Any chance of them reinstating them?
which number did you call?
i called up this week for the millionth time and finally had someone recon and i got a call back same day saying no! :'( >:(

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6091 on: January 20, 2017, 03:27:25 AM »
i called up this week for the millionth time and finally had someone recon and i got a call back same day saying no! :'( >:(
any point in HUCA or am i wasting my time???

Offline teetle

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6092 on: January 20, 2017, 01:19:19 PM »
which number did you call?
i called up this week for the millionth time and finally had someone recon and i got a call back same day saying no! :'( >:(
the number in the wiki,
What was the issue they told you?

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6093 on: January 20, 2017, 03:30:29 PM »
the number in the wiki,
What was the issue they told you?
Too many credit inquiries and lack of credit history
They shut 3consumer cards and business

Offline yitzyul

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6096 on: January 25, 2017, 01:02:17 PM »
I called the executive dept on the number from the WIKI. They asked, who gave me the number  ;).
Update: I finally got an email response  from them today, is this a good sign?

Dear *******:
 
Thank you for your phone call to the Executive Office. This is to acknowledge your case was forwarded to me. I appreciate the opportunity to research your concern.
 
I will follow up with you in writing or by phone once Iíve completed my research. If you have questions in the meantime, I can be reached at 1-888-214-7712, extension ******. I am available Monday through Friday from 9 a.m. to 4 p.m. Eastern Time.
 
Sincerely,
 
B*******
 
Executive Office

Offline teetle

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6097 on: January 30, 2017, 09:43:07 PM »
If i'v not passed the review from the Execeutive dpt, is there any next step to take, because the first rep said he thinks its a mistake as i only have a couple cc open, but they didn't change the decision when they reviewed it.

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6098 on: January 31, 2017, 02:51:28 PM »
If i'v not passed the review from the Execeutive dpt, is there any next step to take, because the first rep said he thinks its a mistake as i only have a couple cc open, but they didn't change the decision when they reviewed it.

i had a rep tell me that as well but those reps have no power to override these things


you can always ask for another review HUCA

Offline teetle

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6099 on: February 01, 2017, 10:47:13 PM »
has anyone ever had a second review, or once they reviewed you your done? because they told me i cant be reviewed again, wondering if its true.

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6100 on: February 02, 2017, 02:21:26 AM »
has anyone ever had a second review, or once they reviewed you your done? because they told me i cant be reviewed again, wondering if its true.

i had two reviews still trying to get a third one
#GottaKeepOnHUCAing

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6101 on: February 02, 2017, 07:40:54 AM »
i had two reviews still trying to get a third one
#GottaKeepOnHUCAing
was it with a new rep?

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6102 on: February 02, 2017, 08:55:46 PM »

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6103 on: February 07, 2017, 02:37:27 PM »
I just had an online transaction declined on my Ritz, called the Ritz line and they transfered me to the executive line. The rep did some verification and then put me on hold to try to clear up my account, came back on the line and said that all my accounts are under review and they'll call me back in 24-48 hrs. Anyone get this before? Is this the beginning of an A/A?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6104 on: February 07, 2017, 03:00:55 PM »
Get one or more new Chase cards lately?