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)
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 1088840 times)

Offline ltttc

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7155 on: January 21, 2020, 12:48:38 PM »
Chase. Probably buying groups.
[/quote]
They allowed you to open one 18 mo later -that's not bad

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7156 on: January 21, 2020, 12:56:23 PM »
Are you saying I'll need it?
Hopefully not.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline CtownBin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7157 on: February 03, 2020, 04:31:13 PM »
Hello all,

So, I just fell into a little bit of a weird situation, and was wondering how to proceed.
Quick background: I was originally AA'ed by Chase back in August 2013. So 6.5 years ago at this point. I never did get confirmation on the reason, but I have to assume it was because of the fee-free Chase Visa gift cards that were available at the time and which I hit hard. In any event, they shut down all 3 personal cards, my one Ink card, and my personal checking account- which was everything I had open with Chase at the time.
About a year later, I successfully opened an Ink card, but it was then closed 3 months later (luckily I had already gotten the signup bonus). But starting 6 months after that, on December 2014, I opened 2 new personal cards (CSP and Freedom) and ever since then, I have had no problems whatsoever.  I have been opening and downgrading cards no problem ever since, and currently have 4 personal cards, an Ink card, and a checking account.

Fast forward to this week. I recently applied to both the personal and business Southwest cards for the 75k bonus. Needed to call Consumer recon to explain that some of the accounts that put me over 5/24 are really authorized users, and so really I'm under 5/24. Agent accepted this, and went through the application again without problem, and even proactively offered to move credit from an existing card to get it approved. But then she comes back 2 minutes later and says the application was denied because a previous deposit account at the bank was closed. I was pretty surprised, I hadn't heard about this AA from anyone at chase in over 5 years. She couldn't give me any info on this, not even when the closure was from. She did give me the number of the "Compliance Department" which she said would provide future info. She confirmed that all my active accounts are all fine and remain open no problem.

Question is- how to proceed? If I call the number she gave, is there a risk someone will find the old AA and then close all my current accounts? I would like to get the application approved, and since the AA is 6.5 years old, I feel  there is some chance that someone can manually override whatever block there is since the closure is from so long ago. Anyone have experience with an AA popping up so many years later? Is there really a risk they may shut me down again?

Maybe calling the compliance department is risky, but maybe it's safe to call business recon for the business app at least? Or will I get the same denial reason there as the Consumer?
Thanks in advance!

Offline mendy613

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7158 on: February 03, 2020, 04:36:12 PM »
My advice would be not to call the compliance department but to call reconsideration for the business and see if they mention it as well.

Compliance department was a total waste of time in my case, I posted it here a few pages back.

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7159 on: February 03, 2020, 04:39:00 PM »
Risk vs reward. Is the reward great enough to risk have all cards closed? That still might happen in the coming days/weeks.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Joel2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7160 on: February 05, 2020, 09:13:19 PM »
Keeping personal & biz account's in separate logins can it help prevent a full shutdown in case of a AA or it doesn'tmake a difference if the accounts are merged on one log in?

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7161 on: February 05, 2020, 09:20:07 PM »
Didn't matter for me.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline eternity88

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Re: Help Please!
« Reply #7162 on: February 08, 2020, 06:36:31 AM »
So the executive team got back to me saying it was 3rd party payments at some point  :(

what did the mean by 3rd party payments? did you know what they mean.
Is it having other people paying for your credit card payments?
« Last Edit: February 08, 2020, 06:39:55 AM by eternity88 »

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7163 on: February 08, 2020, 09:37:16 AM »
Yes
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline eternity88

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7164 on: February 08, 2020, 07:35:37 PM »
oh I never knew that so if you have payments and you are paying credit card it is best to pay it off your account rather than bill paying for it?

Offline dovy2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7165 on: February 09, 2020, 07:52:01 PM »
oh I never knew that so if you have payments and you are paying credit card it is best to pay it off your account rather than bill paying for it?
Cmiiw, but bill pay comes with your name on it

Offline eternity88

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7166 on: February 12, 2020, 04:39:48 AM »
Even if it is electronic? I know most billpay now goes electronically

Offline Abey

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7167 on: February 27, 2020, 10:18:10 AM »
relative recieved email  "Dear:
Based on a recent review of your account and credit information, we decided to close your credit account
above.
THIS ACCOUNT AND/OR A RELATED ACCOUNT WAS CLOSED AT THE BANK'S REQUEST
ACCOUNT NOT USED AS INTENDED"

is that a credit review as mentioned in wiki ? latest dp's on course of action, executive dept. ?

Swiped big amounts (80-100k) monthly

Offline ROYA

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7168 on: March 02, 2020, 11:57:34 AM »
Hi, I have the below cards from chase:
3 UR personal cards
3 UR business cards
United card
Marriott card
I would like to apply for the Hyatt card. Am I pushing my limits by trying to get a 9th cc with them?

Offline as2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7169 on: March 02, 2020, 12:13:42 PM »
Hi, I have the below cards from chase:
3 UR personal cards
3 UR business cards
United card
Marriott card
I would like to apply for the Hyatt card. Am I pushing my limits by trying to get a 9th cc with them?
With Chase, you're always pushing your limits. Are you under 5/24? Are you sure you're eligible for the card?
Memories last forever, make them while you can.