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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 1086710 times)

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7095 on: March 04, 2019, 01:44:17 AM »
Is paying before statement closes an issue even if not reusing card? Thanks
nah
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Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7096 on: March 04, 2019, 07:24:16 PM »
Is it an issue paying my CC from an external account on a relatives name ie mother, sibling etc. but authorized to make the payment? Thanks

Offline Joel2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7097 on: March 05, 2019, 12:48:35 AM »
Is it an issue paying my CC from an external account on a relatives name ie mother, sibling etc. but authorized to make the payment? Thanks
Very risky.

Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7098 on: March 05, 2019, 07:42:48 AM »
Very risky.
How about if its a bill pay payment from their account?

Offline Joel2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7099 on: March 05, 2019, 08:46:37 AM »
How about if its a bill pay payment from their account?
Any unusual payment is risky.

Offline danfan5773

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7100 on: March 10, 2019, 05:15:56 PM »
Signed in to my accounts Friday and it showed all my chase credit cards were closed  about 5 cards last one opened in 2017,  checked my wife that were separate accounts we were not additional on each other and all were closed i have a chase checking and it still shows open, and i have 1 chase ink  that still shows open, chase ink  was on separate login. anything i can do? i have solid history with chase  over 13 years, dont know what i did that caused it (the only thing i can think of was always paying this account with a different bank from FIL name if that caused it if i add myself on the bank account and then call chase will that help me?) any recommendations what to do???

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7101 on: March 10, 2019, 06:50:32 PM »
Signed in to my accounts Friday and it showed all my chase credit cards were closed  about 5 cards last one opened in 2017,  checked my wife that were separate accounts we were not additional on each other and all were closed i have a chase checking and it still shows open, and i have 1 chase ink  that still shows open, chase ink  was on separate login. anything i can do? i have solid history with chase  over 13 years, dont know what i did that caused it (the only thing i can think of was always paying this account with a different bank from FIL name if that caused it if i add myself on the bank account and then call chase will that help me?) any recommendations what to do???
most likely nothing to do. I've never heard of them asking proof of you being a signer on that other account. It would be a real long shot to get added then try to convince them, as they won't tell you the reason why you were shut
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Offline danfan5773

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7102 on: March 10, 2019, 07:12:24 PM »
most likely nothing to do. I've never heard of them asking proof of you being a signer on that other account. It would be a real long shot to get added then try to convince them, as they won't tell you the reason why you were shut

I dont think it would be a long shot at all. i can just go in to bank with my FIL and he adds me to checking account as signer. why would that be long shot?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7103 on: March 10, 2019, 08:02:33 PM »
I dont think it would be a long shot at all. i can just go in to bank with my FIL and he adds me to checking account as signer. why would that be long shot?
Chase doesn't say, hey we shut you for not being a sivner in an account, they give a generic nonesenical reason, and there's no one to talk to in most cases.
To avoid criticism say nothing, do nothing, be nothing.


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Offline ib3

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7104 on: April 07, 2019, 07:08:54 AM »
I dont think it would be a long shot at all. i can just go in to bank with my FIL and he adds me to checking account as signer. why would that be long shot?
Any updates?
It would be nice to hear back from someone after they've tried to reinstate, to know if there is any chance.....
Thanks

Offline danfan5773

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7105 on: April 07, 2019, 03:34:03 PM »
Any updates?
It would be nice to hear back from someone after they've tried to reinstate, to know if there is any chance.....
Thanks
so to report back
I never went in to the bank to add myself as signer Because i dont think that was the reason they closed, as i observed the closure i felt the reason they closed was my wife accounts, ( as i had 1 account biz ink on separate user id not connected to her and it wasn't closed and it still is open) her accounts must have triggered something i just dont know what it is, she has a perfect score it may be she has to many credit cards no loan history (auto etc) thats the only thinking i can come up with.
I tried to get them t reopen i opened case spoke to people i got nowhere. i was lucky they gave me 30 days and i was able to transfer my points out but unlucky as i sent it all to united.

Offline igal6810

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7106 on: May 02, 2019, 09:35:08 PM »
I have 4 chase personal cards and 1 business card. I recently opened Case ink Business Cash and it has 0% APR for 12 months. They gave me a CL if 7k and I currently have a balance of $4k on it that Im planning on paying off slowly Im the course of 12 months by making minimum payments before the due date. Does anyone know if this is risky and could trigger an A.A.? Thanks

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7107 on: May 21, 2019, 09:15:33 PM »
Chase closed my personal and biz cc about a year ago but I kept my biz checking account with them. Today I received an offer with invitation code on my corp to open the Ink. Does that mean that I can reopen it again or it's nothing?
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Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7108 on: May 21, 2019, 11:32:57 PM »
Chase closed my personal and biz cc about a year ago but I kept my biz checking account with them. Today I received an offer with invitation code on my corp to open the Ink. Does that mean that I can reopen it again or it's nothing?
That in itself doesn't mean much.
To avoid criticism say nothing, do nothing, be nothing.


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Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7109 on: May 21, 2019, 11:33:24 PM »
I have 4 chase personal cards and 1 business card. I recently opened Case ink Business Cash and it has 0% APR for 12 months. They gave me a CL if 7k and I currently have a balance of $4k on it that Im planning on paying off slowly Im the course of 12 months by making minimum payments before the due date. Does anyone know if this is risky and could trigger an A.A.? Thanks
Doubtful.
To avoid criticism say nothing, do nothing, be nothing.


― Aristotle