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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 :(
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 1687519 times)

Offline TimT

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Re: Chase shutting down a large number of bank accounts
« Reply #5480 on: February 01, 2015, 11:44:59 AM »
same thing happened to me last year i guess once a year chase does a cleanup
Have you been able to open new accounts ?

Offline zlt123

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Re: Chase shutting down a large number of bank accounts
« Reply #5481 on: February 01, 2015, 12:11:58 PM »
-

Offline cubicles

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Re: Chase shutting down a large number of bank accounts
« Reply #5482 on: February 01, 2015, 02:24:50 PM »
Good morning ! 8)
when you finish reading this thread please come back
http://forums.dansdeals.com/index.php?topic=11216.0

Offline HolyNyc

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Offline Emkay

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Re: Chase shutting down a large number of bank accounts
« Reply #5484 on: February 01, 2015, 02:45:56 PM »

Offline Achas Veachas

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Re: Chase shutting down a large number of bank accounts
« Reply #5485 on: February 01, 2015, 02:46:38 PM »
I just want to comment that for those who think it's suspicious how everyone they know who has been shut down is Jewish and from Brooklyn, umm, what percentage of the people you know b'chlal are Jewish and from Brooklyn?

Lutherans in Manitowock, WI also get shut down. You just don't hang out with those guys.
-1
My friend the Lutheran minister in Manitowock did not get shut down... >:(

Offline Freddie

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Re: Chase shutting down a large number of bank accounts
« Reply #5486 on: February 01, 2015, 03:04:59 PM »
-1
My friend the Lutheran minister in Manitowock did not get shut down... >:(

What kind of a sample size is that? One guy? I hope you're joking.

Offline Mutty

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Re: Chase shutting down a large number of bank accounts
« Reply #5487 on: February 01, 2015, 04:51:40 PM »
Yeah, they hit us about this weeks ago. Closing all our business accounts and anyone working by us that got personal accounts at the same time. We asked and asked and the answer is, we don't know. They have the right to do it for reasons only they know. I didn't realize there were others till I saw this. By the way, nothing to do with credit cards.
“You see things; you say, 'Why?' But I dream things that never were; and I say 'Why not?”

Offline DVD

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5488 on: February 01, 2015, 05:16:30 PM »
If you get your credit cards shut down do to a "credit related risk matter" then 1) call the reconsideration number. If not successful then 2) call the Executive Office.

If all else fails continue to pay the cards and a later point you can apply for another Chase Card product. If you are declined due to "Previously Unsatisfactory Relationship" call the recon line and chances are you will be approved if your credit is good.


Offline Talmid Muvhak

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Re: Chase shutting down a large number of bank accounts
« Reply #5489 on: February 01, 2015, 07:49:42 PM »
By the way, nothing to do with credit cards.
then what do you think it was?
וצדיק באמונתו יחיה

Offline Lou Bob

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Re: Chase shutting down a large number of bank accounts
« Reply #5490 on: February 01, 2015, 08:00:55 PM »
Overrated. If you guys use your accounts properly, you would still have them
Always use an Amex, you'll thank me one day.

Offline Mutty

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Re: Chase shutting down a large number of bank accounts
« Reply #5491 on: February 01, 2015, 08:01:49 PM »
then what do you think it was?
We actually have no clue. As many people as we "know" there either don't know or aren't telling.
“You see things; you say, 'Why?' But I dream things that never were; and I say 'Why not?”

Offline Mutty

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Re: Chase shutting down a large number of bank accounts
« Reply #5492 on: February 01, 2015, 08:02:48 PM »
Overrated. If you guys use your accounts properly, you would still have them
Absolutely false. Nothing was ever done improperly. Something else must be going on.
“You see things; you say, 'Why?' But I dream things that never were; and I say 'Why not?”

Offline Lou Bob

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Re: Chase shutting down a large number of bank accounts
« Reply #5493 on: February 01, 2015, 08:05:10 PM »
Absolutely false. Nothing was ever done improperly. Something else must be going on.
can't be.
Always use an Amex, you'll thank me one day.

Offline Dan

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Re: Chase shutting down a large number of bank accounts
« Reply #5494 on: February 01, 2015, 08:06:15 PM »
Cash deposits and wires can set off an A/A.
They don't do shutdowns for nothing.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Shmulyg

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5495 on: February 01, 2015, 08:06:42 PM »
If you are declined due to "Previously Unsatisfactory Relationship" call the recon line and chances are you will be approved if your credit is good.

Source?
Is this a personal anecdote or did you take a public survey?

Offline TimT

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Re: Chase shutting down a large number of bank accounts
« Reply #5496 on: February 01, 2015, 08:09:46 PM »
Cash deposits and wires can set off an A/A.
They don't do shutdowns for nothing.
What business doesn't do cash deposits ? They already have the ID rule.

Offline Dan

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Re: Chase shutting down a large number of bank accounts
« Reply #5497 on: February 01, 2015, 08:15:38 PM »
If they even remotely suspect laundering they'll just shut you down.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Lou Bob

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Re: Chase shutting down a large number of bank accounts
« Reply #5498 on: February 01, 2015, 08:24:37 PM »
Overrated. If you guys use your accounts properly, you would still have them
If they even remotely suspect laundering they'll just shut you down.
nuff said
Always use an Amex, you'll thank me one day.

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5499 on: February 01, 2015, 08:38:59 PM »

Source?
Is this a personal anecdote or did you take a public survey?
Happens a lot lately