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 1686960 times)

Offline Joel

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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?

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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.
Only on DDF does 24/6 mean 24/5/half/half

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 »

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7163 on: February 08, 2020, 09:37:16 AM »
Yes
Only on DDF does 24/6 mean 24/5/half/half

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.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7170 on: March 02, 2020, 12:16:37 PM »
With Chase, you're always pushing your limits. Are you under 5/24? Are you sure you're eligible for the card?
Under 5/24, can always move credit. I just don't want to risk anything as I am very happy banking with them! I don't do any "shady" stuff..

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7171 on: March 30, 2020, 10:28:36 PM »
how does chase generally react to my using 3rd party checks to pay my business card (normal spend, no BG...)
thanks

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7172 on: May 08, 2020, 01:01:32 AM »
I was shutdown by Chase a few days ago, all personal and business cards at my address were closed.
Only trigger i could think of was paying from other ppl's bank account.
I also heard of several other ppl (in and around Lakewood) who were shutdown at the same time.

Looks like another wave

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7173 on: May 13, 2020, 11:54:48 PM »
I was shutdown by Chase a few days ago, all personal and business cards at my address were closed.

The letter said "because our affiliate is ending their banking relationship with you". Thing is I don't have any Chase banking account.
After opening a case with Chase executive dept, they alluded that it was a previous account I had in the past. I actually have been an authorized signer on a chase business account during a few months, but that account was closed more than a year ago. I'd never have thought that it could still be a cause to shut me down so long after

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7174 on: May 18, 2020, 05:56:02 PM »
The letter said "because our affiliate is ending their banking relationship with you". Thing is I don't have any Chase banking account.
After opening a case with Chase executive dept, they alluded that it was a previous account I had in the past. I actually have been an authorized signer on a chase business account during a few months, but that account was closed more than a year ago. I'd never have thought that it could still be a cause to shut me down so long after
Yes, they can and sometimes do link everything.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7175 on: June 10, 2020, 10:42:53 AM »
Haven't been following this thread much...

I would like to take advantage of the bonus nights on the World of Hyatt CC for this month and I have a lot of spend that I need to do (no MS, never have done any MS with Chase). How big is the risk of A/A if I swipe, pay, swipe, pay, etc. all within the month? Meaning I will end up having spent well more than my CL for this month.

I have been with Chase for many years now and am CPC. Also, I have the cash in my chase checking account to cover the purchases.

TIA

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7176 on: June 10, 2020, 11:11:46 AM »
Haven't been following this thread much...

I would like to take advantage of the bonus nights on the World of Hyatt CC for this month and I have a lot of spend that I need to do (no MS, never have done any MS with Chase). How big is the risk of A/A if I swipe, pay, swipe, pay, etc. all within the month? Meaning I will end up having spent well more than my CL for this month.

I have been with Chase for many years now and am CPC. Also, I have the cash in my chase checking account to cover the purchases.

TIA
Probably more depends on your usage patterns, but definitely would seem to be some risk although hard to know how much... CPC does nothing for this. Also years with chase doesn't mean anything if C"V it comes down to it.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7177 on: June 10, 2020, 11:21:07 AM »
Probably more depends on your usage patterns, but definitely would seem to be some risk although hard to know how much... CPC does nothing for this. Also years with chase doesn't mean anything if C"V it comes down to it.

Havent been using the Hyatt card much before this honestly. Does that change things? Also, does prepaying your charges help at all?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7178 on: June 10, 2020, 01:04:04 PM »
Havent been using the Hyatt card much before this honestly. Does that change things? Also, does prepaying your charges help at all?
It definitely can raise flags sudden quick large spend. What's the total amount you plan on spending? How quickly do you have to do it?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7179 on: June 10, 2020, 02:12:32 PM »
It definitely can raise flags sudden quick large spend. What's the total amount you plan on spending? How quickly do you have to do it?
I would like to spend as much as I can before June 30th to take advantage of the bonus night credits. I can spend up to 50K easily. Credit limit is around 20k