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 (10.3%)
No (Bli Ayin Horah)
440 (73.3%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.8%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
66 (11%)

Total Members Voted: 598

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1193260 times)

Offline ShimshonK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7200 on: October 13, 2020, 01:07:25 AM »
I want to transfer UR points to my mother and to my brother. What determines a household? Same address? Will I be fine since we have the same last name?
I do not want to risk losing my points and accounts. They told me on the phone it's fine (when I asked about transferring to my mother), but I'm still nervous.

Offline BP16

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7201 on: October 13, 2020, 01:28:53 PM »
I want to transfer UR points to my mother and to my brother. What determines a household? Same address? Will I be fine since we have the same last name?
I do not want to risk losing my points and accounts. They told me on the phone it's fine (when I asked about transferring to my mother), but I'm still nervous.
There is not a clear answer but its safer then to transfer to different last name.

Offline ShimshonK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7202 on: October 26, 2020, 04:42:54 PM »
With CPC, still better to avoid wires (free), instead doing electronic transfers, to avoid A/A risk?

Offline yoyo123

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7203 on: November 16, 2020, 07:46:23 PM »
"You can transfer points in 1,000 point increments, but only to participating frequent travel program accounts belonging to you, or one additional household member who is listed as an authorized user on your card account. Once you transfer points to an authorized user, that person will be the only authorized user on your account eligible to receive point transfers."

Confusing- How do i add them (household member) as an authorized user to my account , do they mean i need to request them to be an additional card member (they get their own card under my acct)? Thanks

Offline luckyluck

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7204 on: November 16, 2020, 07:48:52 PM »
yes

Offline Triple Canopy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7205 on: November 29, 2020, 09:17:48 PM »
I want to move around 50k out of Chase. is that an AA risk?

Offline ShimshonK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7206 on: November 30, 2020, 11:11:42 PM »
I see it's listed in the Wiki, but I'm wondering if anyone has any more/updated information they can share on this topic -

I opened 2 Chase business CC's (with an EIN) - one was 6 weeks ago, one was 1 week ago - and I'm considering getting a 3rd (the final of the Inks) soon.

Also had sharply varying incomes (on my applications) over time. Also have a significant amount currently on credit (only on the business CC's, not personal) thought that'll be paid off before the statement due date, and it is still a tiny fraction of my overall credit extended (just more than I've used in the past).

Does this sound like a Chase A/A risk to apply?

I have a significant amount of points, cards, and assets with Chase right now (too much), so if it's risky, I'll avoid.
But I'd also like insight on when I'm 'out of the woods'.

Offline ungar17@yahoo.com

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7207 on: December 02, 2020, 09:50:40 PM »
Are there any DP's on Chase shutting you down for closing the reserve card after spending the $300 travel credit but before the annual fee is due? Not referring to a new application. I got the card right when it came out.

Offline JunkYardUnz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7208 on: December 19, 2020, 10:05:55 PM »
I signed up for a Ink card and for whatever reason for I didnít start using it right away and now I only have two bill cycles to spend $7,500, my credit line is only $3,000. Whatís the best way to pay down your balance mid cycle without triggering any adverse action. I apologize in advance I didnít read thru the whole tread, but remember reading way back when that paying early before the statement closed is a trigger.

Offline Zalmy2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7209 on: January 02, 2021, 09:35:22 PM »
I was shut down by chase a year ago for maxing out cards. Can I reapply already or should I wait longer?

Offline yomo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7210 on: January 02, 2021, 10:27:35 PM »
I got shut down 8 years ago. I sued JPM in SCC for value of points. Never tried reapplying since. What are the chances of getting approved now and which product would be best to apply for first?

Offline yomo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7211 on: January 05, 2021, 03:22:03 AM »
I got shut down 8 years ago. I sued JPM in SCC for value of points. Never tried reapplying since. What are the chances of getting approved now and which product would be best to apply for first?
Anyone?

Online sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7212 on: January 05, 2021, 05:24:41 PM »
Anyone?

i am in the same boat got shut down 8 years ago and still not able to open with them again . and i have no idea why they closed me i did allot of spending that's it ?

Offline R.A.T.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7213 on: January 05, 2021, 08:22:17 PM »
I got shut down 8 years ago. I sued JPM in SCC for value of points. Never tried reapplying since. What are the chances of getting approved now and which product would be best to apply for first?
Just give it a try. Some get let back in and some don't.

Offline yomo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7214 on: January 06, 2021, 03:49:03 AM »
i am in the same boat got shut down 8 years ago and still not able to open with them again . and i have no idea why they closed me i did allot of spending that's it ?
Did you sue them?