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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 1686811 times)

Offline Shmulyg

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5500 on: February 01, 2015, 08:40:54 PM »
Happens a lot lately
I'm aware of a lot of people getting back in but was particularly asking about the recon part.

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5501 on: February 01, 2015, 08:43:24 PM »

I'm aware of a lot of people getting back in but was particularly asking about the recon part.
I was particularly answering to the recon part as well

Offline SearchGuy

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Re: Chase shutting down a large number of bank accounts
« Reply #5502 on: February 01, 2015, 11:18:55 PM »
Cash deposits and wires can set off an A/A.
They don't do shutdowns for nothing.
What about PayPal deposits?

Offline dpk4588

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Re: Chase shutting down a large number of bank accounts
« Reply #5503 on: February 01, 2015, 11:47:41 PM »
Cubs fans.
Haven't they suffered enough?
Only two things are infinite, the universe and human stupidity, and I'm not sure about the former.
-Albert Einstein

Offline DVD

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5504 on: February 02, 2015, 12:49:06 AM »
Source?
Is this a personal anecdote or did you take a public survey?


Chase Branch Manager. Also a few of my friends called recon after being declined for previously unsatisfactory account.

Offline Shmulyg

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5505 on: February 02, 2015, 01:21:16 AM »
I was particularly answering to the recon part as well


Chase Branch Manager. Also a few of my friends called recon after being declined for previously unsatisfactory account.

Thanks guys! Was A/A'd December '13 and thinking of getting back in. Will prob give it a try some time soon. Just wondering Mr. DVD, any idea how those recon conversations went? What made them reconsider? Any input would be helpful.

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5506 on: February 02, 2015, 03:04:19 PM »
Is it not smart to do 2bm when trying to get back in or no difference?

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5507 on: February 02, 2015, 03:17:09 PM »

Is it not smart to do 2bm when trying to get back in or no difference?
PGFHGS

Offline etech0

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5508 on: February 02, 2015, 03:19:34 PM »
PGFHGS
I hope that's an acronym, cuz I can't pronounce it otherwise.
Workflowy. You won't know what you're missing until you try it.

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5509 on: February 02, 2015, 03:21:07 PM »

I hope that's an acronym, cuz I can't pronounce it otherwise.

I'll hint you -- PigsGFHGS..

Offline Emkay

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5510 on: February 02, 2015, 03:24:02 PM »
PGFHGS

I hope that's an acronym, cuz I can't pronounce it otherwise.
Pigs get fat, hogs get slaughtered.
Though I doubt it applies in this case

Offline etech0

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5511 on: February 02, 2015, 03:24:18 PM »

I'll hint you -- PigsGFHGS..
Oh right - I knew that!
Thanks
Workflowy. You won't know what you're missing until you try it.

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5512 on: February 02, 2015, 03:35:09 PM »

Pigs get fat, hogs get slaughtered.
Though I doubt it applies in this case
-1
No facts to back it up, but that's what my gut tells me.

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5513 on: February 02, 2015, 03:40:35 PM »
My question is will it make me a pig or a hog....?

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5514 on: February 02, 2015, 03:43:01 PM »

My question is will it make me a pig or a hog....?
Hog IMHO

Offline etech0

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5515 on: February 02, 2015, 03:47:18 PM »
Hog IMHO
Even if that's the case (I have no idea), you wouldn't be the biggest one. Not by a long shot :).
Workflowy. You won't know what you're missing until you try it.

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5516 on: February 02, 2015, 03:49:34 PM »

Even if that's the case (I have no idea), you wouldn't be the biggest one. Not by a long shot :).
Biggest one?

Offline etech0

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5518 on: February 03, 2015, 02:07:36 AM »
Just logged into my chase account after being A/A'd one year back. All my cards are gone except for one that still shows in the account with the "your account is closed" notification on top of it. Should I wait till it's gone? Does that somehow indicate my case is still "active"? Please share your experiences. TIA!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5519 on: February 03, 2015, 02:58:16 AM »
Thanks guys! Was A/A'd December '13 and thinking of getting back in. Will prob give it a try some time soon. Just wondering Mr. DVD, any idea how those recon conversations went? What made them reconsider? Any input would be helpful.


My friend had their card account a closed for high utilization. They continued to pay their accounts off off and they eventually applied for another chase account. They we were denied and called recon. They explained what happened and was approved.