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 :(
10 (1.6%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10%)
No (Bli Ayin Horah)
455 (73.4%)
I Was Shut Down But Was Able To Get Reopened After Appeal
24 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
69 (11.1%)

Total Members Voted: 618

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1687301 times)

Offline US

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2017
  • Posts: 1094
  • Total likes: 46
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6700 on: April 09, 2018, 05:57:45 PM »


Do you feel lucky?  :)

Did I mention anything about being lucky!

All accounts are back up! Open and running!!
Wish everyone such easy and smooth transaction.

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6701 on: April 09, 2018, 06:00:01 PM »

Did I mention anything about being lucky!

All accounts are back up! Open and running!!
Wish everyone such easy and smooth transaction.
Congrats!!
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6702 on: April 09, 2018, 06:12:50 PM »

Did I mention anything about being lucky!

All accounts are back up! Open and running!!
Wish everyone such easy and smooth transaction.
Nice!!!
I just found a new supply of forks!

Offline Tumbler

  • DansDeals Copper Elite
  • *
  • Join Date: Apr 2018
  • Posts: 20
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6703 on: April 09, 2018, 07:59:43 PM »
My account went under review on 3/30. I got a letter today that they closed my Chase Freedom account for:
 
Number of credit card accounts (I have 10 open and none opened in over 1.5 years. The last being a Chase Sapphire that was still open prior to the review.)
Rapid increase in revolving balance. (According to Equifax I have a balance of $2k on $90k in lines. I, of course, pay off everything, every month.)

According to Citi, my FICO is 880 so those are obviously BS closing reasons. I can't even login to my Chase account to see what they have. When I try to login it says: Because of recent activity on your account, we've suspended your chase.com access for your protection.

This started when I added my Chase Freedom to Apple Pay and tried to use Apple Pay to buy a $500 Amazon gift card at Whole Foods on 3/30. I don't generally do MS and might have met the 5% bonus amount on my Chase Freedom categories once in 10+ years of having the card.

Thoughts?

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6704 on: April 09, 2018, 08:04:16 PM »
My account went under review on 3/30. I got a letter today that they closed my Chase Freedom account for:
 
Number of credit card accounts (I have 10 open and none opened in over 1.5 years. The last being a Chase Sapphire that was still open prior to the review.)
Rapid increase in revolving balance. (According to Equifax I have a balance of $2k on $90k in lines. I, of course, pay off everything, every month.)

According to Citi, my FICO is 880 so those are obviously BS closing reasons. I can't even login to my Chase account to see what they have. When I try to login it says: Because of recent activity on your account, we've suspended your chase.com access for your protection.

This started when I added my Chase Freedom to Apple Pay and tried to use Apple Pay to buy a $500 Amazon gift card at Whole Foods on 3/30. I don't generally do MS and might have met the 5% bonus amount on my Chase Freedom categories once in 10+ years of having the card.

Thoughts?
Try to have them resubmit it for review. But what I'm stuck on is a 880 FICO? ???
« Last Edit: April 09, 2018, 09:00:27 PM by davidrotts63 »
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Chief Rabbi of New York

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 1237
  • Total likes: 52
  • DansDeals.com Hat Tips 15
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6705 on: April 09, 2018, 08:07:58 PM »
But what I'm stuck on is an 880 FICO? ???


Better than a 770 FICO
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline Tumbler

  • DansDeals Copper Elite
  • *
  • Join Date: Apr 2018
  • Posts: 20
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6706 on: April 09, 2018, 08:09:42 PM »
Try to have them resubmit it for review. But what I'm stuck on is an 880 FICO? ???

Citi apparently uses a 900 max FICO score. I think a lot of banks use 850 max.

Who would I request to do the review?

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6707 on: April 09, 2018, 08:15:18 PM »
Better than a 770 FICO
No sh*t. Better then 850 too.

Citi apparently uses a 900 max FICO score. I think a lot of banks use 850 max.

Who would I request to do the review?

I thought FICO model only goes to 850.

Call the main lines and try to move up.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline US

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2017
  • Posts: 1094
  • Total likes: 46
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6708 on: April 09, 2018, 08:44:04 PM »
If still in review then even I would wait. Can always apply again.
So now that the review is over, what do you vote, Skip it, or go for it?

Offline Tumbler

  • DansDeals Copper Elite
  • *
  • Join Date: Apr 2018
  • Posts: 20
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6709 on: April 09, 2018, 08:46:44 PM »
No sh*t. Better then 850 too.

I thought FICO model only goes to 850.

Call the main lines and try to move up.

I just called and got access back to my .com account. They have also closed my CSR. The FICO they have for me is 828/850.

Offline US

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2017
  • Posts: 1094
  • Total likes: 46
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6710 on: April 09, 2018, 08:47:41 PM »
I just called and got access back to my .com account. They have also closed my CSR. The FICO they have for me is 828/850.
What about the other accounts?

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6711 on: April 09, 2018, 08:48:55 PM »
So now that the review is over, what do you vote, Skip it, or go for it?
What would I do? Probably skip.
Is that necessary? Probably not.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Tumbler

  • DansDeals Copper Elite
  • *
  • Join Date: Apr 2018
  • Posts: 20
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6712 on: April 09, 2018, 08:50:31 PM »
What about the other accounts?

I had 2 credit cards with them. Freedom and CSR. They closed both. I also have a mortgage.

Offline US

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2017
  • Posts: 1094
  • Total likes: 46
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6713 on: April 09, 2018, 08:50:57 PM »
What would I do? Probably skip.
Is that necessary? Probably not.
I think I'm just gonna send docs with out any HUCA, I'll try my luck.

Offline US

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2017
  • Posts: 1094
  • Total likes: 46
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6714 on: April 09, 2018, 08:52:57 PM »
I had 2 credit cards with them. Freedom and CSR. They closed both. I also have a mortgage.
Did you try to call the number in wiki?

Offline Tumbler

  • DansDeals Copper Elite
  • *
  • Join Date: Apr 2018
  • Posts: 20
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6715 on: April 09, 2018, 08:54:09 PM »
Did you try to call the number in wiki?

Not yet.

Offline US

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2017
  • Posts: 1094
  • Total likes: 46
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6716 on: April 09, 2018, 08:56:03 PM »
Not yet.
That's your first step.
I actually called 1800 290 1316, if you wanna try it first.

Offline sillypainter

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jan 2012
  • Posts: 2068
  • Total likes: 200
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6717 on: April 09, 2018, 08:58:08 PM »
Try to have them resubmit it for review. But what I'm stuck on is an 880 FICO? ???

Citi shows the Equifax FICO score. You need to check on Amex to see your Experian score.

Offline Tumbler

  • DansDeals Copper Elite
  • *
  • Join Date: Apr 2018
  • Posts: 20
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6718 on: April 09, 2018, 09:00:40 PM »
Citi shows the Equifax FICO score. You need to check on Amex to see your Experian score.

Chase themselves say it is 823/850

I'm guessing the number is closed now.

On this Account Review thing, they seemed to want very much to convince me that this was a random screening. Obviously, it wasn't as it happened at the exact same time I had issues with trying to use the card with Apple Pay. Any idea why they wanted me to believe it was random?

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6719 on: April 09, 2018, 09:05:22 PM »
Chase themselves say it is 823/850

I'm guessing the number is closed now.

On this Account Review thing, they seemed to want very much to convince me that this was a random screening. Obviously, it wasn't as it happened at the exact same time I had issues with trying to use the card with Apple Pay. Any idea why they wanted me to believe it was random?
@hvaces42 reported such a thing upthread, and I'm shocked, there is no explanation to such a thing.
Did you ask to have it reviewed again?
Did they give ANY reason?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch