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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)
436 (73.4%)
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 (10.8%)

Total Members Voted: 592

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1086988 times)

Offline israel11219

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7065 on: August 29, 2018, 01:47:12 PM »
yes and no
what means yes and no when they dont request info from other bank do they get name of acct holder together with the payment?. whats about question 2?
thanks

Offline Z56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7066 on: August 29, 2018, 02:25:49 PM »
1) will chase know that its 3'd party if the bank acct. is not chase?   2) if they do know  is there anything i could do about it to get it reopened? (I keep money in the Gmach it's my money)

1. yes
2. you can try
“I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work

Offline ruv

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7067 on: August 30, 2018, 11:13:47 AM »
Is paying a chase personal CC with a chase business account problematic?

Offline chinagel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7068 on: September 02, 2018, 10:02:58 AM »
i got shut down july 30, letter said my checking account would be closed by august 26th. its still open. any chance it stays that way?

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7069 on: September 02, 2018, 10:11:51 AM »
i got shut down july 30, letter said my checking account would be closed by august 26th. its still open. any chance it stays that way?

not without getting them to reopen everything

Offline chinagel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7070 on: September 02, 2018, 10:15:52 AM »
not without getting them to reopen everything
what do you mean?

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7071 on: September 02, 2018, 10:37:44 AM »
what do you mean?

you are hoping your account doesn't actually get closed? it will. if you want it to not get closed then you need to try and get your ban overturned in which case the CC would get re-opened as well

Offline chinagel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7072 on: September 02, 2018, 08:51:23 PM »
you are hoping your account doesn't actually get closed? it will.
so why has it not been closed yet? when will it be closed?

Offline 12HRS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7073 on: September 02, 2018, 11:21:55 PM »
so why has it not been closed yet? when will it be closed?

Checking always takes time

Eta: just noticed it says aug 26. Mine took a couple days after the date as well. I would expect your shutdown this week

Offline pointer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7074 on: October 15, 2018, 02:21:12 PM »
applied for the IHG cc and the Hyatt cc on 10/06, just received a letter that the IHG card was shut down "based on these specific reasons"
1) "number of cc accounts" (i have 3 personal inc. the Hyatt and IHG and 1 business)
2) "Sufficient creidt available with Chase (I have $1,200 on the Ritz, $9,300 on the Hyatt, dont remember what the gave me on the IHG)

I want to call and ask if they could reopen the account and shift some line of credit from the hyatt.
Question: is there a risk when calling that it will cause further shutdowns?

Offline ruv

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7075 on: October 15, 2018, 02:28:56 PM »
What’s your income?

Offline pointer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7076 on: October 15, 2018, 02:33:45 PM »

Offline Alexsei

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7077 on: January 07, 2019, 03:36:07 PM »
I sent a quickpay to someone today, it was pending, now I got an email

The subject is: We've canceled your payment
You can sign in to review this communication in your Secure Message Center until 04/07/2019.

When I sign in i get https://secure01c.chase.com/web/auth/#/logon/logon/accountSuspended

Is this a A/A?
כל ההתחלות קשות, בלי התחלה קשה ביותר
מרבה נכסים מרבה דאגה, בלי נכסים דאגה ביותר

Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7078 on: January 07, 2019, 03:42:25 PM »
I sent a quickpay to someone today, it was pending, now I got an email

The subject is: We've canceled your payment
You can sign in to review this communication in your Secure Message Center until 04/07/2019.

When I sign in i get https://secure01c.chase.com/web/auth/#/logon/logon/accountSuspended

Is this a A/A?
could be. i had the same thing. only way i knew i got aa'd was because my qp kept bouncing. altho mine sid something to the effect of "not enough funds in the account"

Offline Alexsei

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7079 on: January 07, 2019, 03:52:56 PM »
could be. i had the same thing. only way i knew i got aa'd was because my qp kept bouncing. altho mine sid something to the effect of "not enough funds in the account"

https://chaseonline.chase.com/Public/Error.aspx?logonReason=sso_logon_suspicious&LOB=RBGLogon
כל ההתחלות קשות, בלי התחלה קשה ביותר
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