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 (10.2%)
No (Bli Ayin Horah)
444 (73.4%)
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
67 (11.1%)

Total Members Voted: 603

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1333362 times)

Offline farmbochur

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2011
  • Posts: 1628
  • Total likes: 140
  • DansDeals.com Hat Tips 13
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7260 on: October 08, 2021, 06:22:09 PM »
Just received shutdown #5. Do I win a prize?
How soon after shutdown have been reapplying?
Risk is opportunity

Offline jew

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2012
  • Posts: 480
  • Total likes: 24
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: los angeles
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7261 on: October 08, 2021, 08:32:22 PM »
Yes they will close them but who cares. Do the spend and receive the bonus.
You have no issues getting approved every time? They don't tell you "we closed you in past so can't approve now?"?

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 10803
  • Total likes: 3622
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7262 on: October 08, 2021, 10:54:23 PM »
You have no issues getting approved every time? They don't tell you "we closed you in past so can't approve now?"?
For some reason, no. I still have a CSP open for almost a year and expect that to get axed.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 10803
  • Total likes: 3622
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7263 on: October 09, 2021, 07:06:08 PM »
For some reason, no. I still have a CSP open for almost a year and expect that to get axed.
Letter came today for CSP.
Now I know why they closed my cards: Youre Invited to Apply for the New World of Hyatt Business Credit Card  :)
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline jew

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2012
  • Posts: 480
  • Total likes: 24
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: los angeles
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7264 on: October 09, 2021, 11:53:53 PM »
 :)

Online Spoon

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2019
  • Posts: 214
  • Total likes: 40
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7265 on: October 10, 2021, 02:11:11 PM »
If someone got shutdown would there be a hard pull on a new app if hes still blacklisted?

Online Spoon

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2019
  • Posts: 214
  • Total likes: 40
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7266 on: October 11, 2021, 01:30:37 PM »
If someone got shutdown would there be a hard pull on a new app if hes still blacklisted?

Bump?

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 10803
  • Total likes: 3622
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7267 on: October 29, 2021, 07:31:40 AM »
Chase closed IP effective yesterday. AF was paid 8/1 and now have a $95 credit on the account. Is this the nicer gentler Chase?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline elimmm

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Apr 2015
  • Posts: 600
  • Total likes: 38
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7268 on: November 23, 2021, 09:17:44 PM »
Is it safe to pay my cc bill with someone else's check if it's made out directly to chase? Is it better/worse if the check is made out to me?
(Is the risk only if it's done multiple times?)

Offline Shmulyg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2012
  • Posts: 2491
  • Total likes: 3
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Kan Tzivah
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7269 on: November 28, 2021, 12:40:16 PM »
Chase closed IP effective yesterday. AF was paid 8/1 and now have a $95 credit on the account. Is this the nicer gentler Chase?
Yes. Got back all AFs for wife's recent shutdown

Offline elimmm

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Apr 2015
  • Posts: 600
  • Total likes: 38
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7270 on: November 30, 2021, 12:26:54 AM »
Which is safer when paying my cc bill with third party check:

if check is made out directly to chase?
Or if the check is made out to me?
Bump

Online Spoon

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2019
  • Posts: 214
  • Total likes: 40
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7271 on: November 30, 2021, 01:44:17 PM »
Bump

Chase checking account? BG check?

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 11803
  • Total likes: 4025
  • DansDeals.com Hat Tips 16
    • View Profile
  • Location: 770
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7272 on: December 02, 2021, 01:18:54 AM »
Tried to pay Chase CC today by transfer from Chase checking and encountered a problem. Paid from an outside account, and thought we'd call Chase during the day to find out what's going on. Just opened the app and see that all personal cards (except for one, for which the card seems to have been misplaced) say they are closed. I really have no idea what could be the reason for this.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 10803
  • Total likes: 3622
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7273 on: December 02, 2021, 10:03:37 AM »
Tried to pay Chase CC today by transfer from Chase checking and encountered a problem. Paid from an outside account, and thought we'd call Chase during the day to find out what's going on. Just opened the app and see that all personal cards (except for one, for which the card seems to have been misplaced) say they are closed. I really have no idea what could be the reason for this.
Has this account ever had closed cards before?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 11803
  • Total likes: 4025
  • DansDeals.com Hat Tips 16
    • View Profile
  • Location: 770
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7274 on: December 02, 2021, 11:50:38 AM »
Has this account ever had closed cards before?

Most recently closed CSR (downgraded to Freedom Flex), if that's what you're asking. Otherwise, not really.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 10803
  • Total likes: 3622
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7275 on: December 02, 2021, 01:13:53 PM »
Most recently closed CSR (downgraded to Freedom Flex), if that's what you're asking. Otherwise, not really.
Was asking if Chase closed any accounts (CC, checking or other)? Even if it was years ago it still can be the reason. I had accounts open almost 2 years then BAM!!!
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline yosefsv

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Sep 2016
  • Posts: 853
  • Total likes: 109
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: NY
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7276 on: December 02, 2021, 03:25:23 PM »
Logged in to DW online Business account a few days ago and noticed that 3 out of 4 cards were closed. No idea what the reason could be. We figured we will wait for the letter and take it from there. the 4th business card and all her personal cards are still open.
Today she received a letter dated 11/19 that all her personal accounts were closed. (which in fact is not the case, all listed accounts are currently open) and the reason is that Chase has previously closed your account. Which is also not true. Chase never before closed any of our accounts.
what's going on?
If it benefits even just one fellow DDFer, its worth posting it.

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 10803
  • Total likes: 3622
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7277 on: December 02, 2021, 03:35:32 PM »
Did the letter say closed or will be closed on ??/??/??
Was this letter for the personal or business cards?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline yosefsv

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Sep 2016
  • Posts: 853
  • Total likes: 109
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: NY
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7278 on: December 02, 2021, 03:45:55 PM »
Did the letter say closed or will be closed on ??/??/??
Was this letter for the personal or business cards?
For the personal cards.
And I see now that it says "we decided to close your credit card account on December 18"
If it benefits even just one fellow DDFer, its worth posting it.

Offline yosefsv

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Sep 2016
  • Posts: 853
  • Total likes: 109
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: NY
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7279 on: December 02, 2021, 03:51:43 PM »
Logged in to DW online Business account a few days ago and noticed that 3 out of 4 cards were closed. No idea what the reason could be. We figured we will wait for the letter and take it from there. the 4th business card and all her personal cards are still open.
Today she received a letter dated 11/19 that all her personal accounts will be closed. and the reason is that Chase has previously closed your account. Which is also not true. Chase never before closed any of our accounts.
what's going on?
FTFY
The business cards were still open at least until 11/25.
If it benefits even just one fellow DDFer, its worth posting it.