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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 1686727 times)

Offline Shmulyg

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5520 on: February 03, 2015, 02:59:19 AM »

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.
Thanks!

Offline Hidden

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5521 on: February 03, 2015, 06:21:51 AM »

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.
How long did he wait from the AA till new card?

Offline dovy2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5522 on: February 03, 2015, 08:29:09 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!
My ink card still shows as well, and I was a few months before yiu

Offline Shmulyg

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5523 on: February 03, 2015, 08:40:17 AM »
My ink card still shows as well, and I was a few months before yiu
But this is a personal card - a freedom card - the same card I wish to reopen.

Offline YG

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Chase A/A Master Thread (Now With Poll)
« Reply #5524 on: February 03, 2015, 09:16:16 AM »
I applied for my wife.

I just logged into her old chase account and it is still showing a SW account that is closed since A/A 11 months ago, and the new Hyatt account is showing up as well.
.... Personal card

I also opened a freedom since and my old closed freedom is still showing.

Offline cubicles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5525 on: February 03, 2015, 01:12:15 PM »
not sure to which thread to post so I'll post it here.
sorry if its in the wrong thread but i wasted hours to find the old UR site.

https://ultimaterewards.chase.com/Home.aspx

https://ultimaterewardspoints.chase.com/

Offline Shmulyg

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5526 on: February 03, 2015, 08:10:33 PM »
.... Personal card

I also opened a freedom since and my old closed freedom is still showing.
Thanks!

Offline DVD

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5527 on: February 07, 2015, 07:51:51 PM »
How long did he wait from the AA till new card?

It was a few months after they paid off their Chase account. My friend was also able to pay down his other credit cards and his utilization was under 10%.

Keep in mind that "Previous Unsatisfactory Relationship" is a broad term , which many people are incorrectly placed in that category. Many Analyst realize this.


Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5528 on: February 11, 2015, 12:02:25 AM »
Do you think it matters if the first card you apply for after A/A is a high end Ink or saphire preffered or is it better to start with freedom or plain saphire? anyones experience?

Offline DVD

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5529 on: February 11, 2015, 12:04:05 AM »
Do you think it matters if the first card you apply for after A/A is a high end Ink or saphire preffered or is it better to start with freedom or plain saphire? anyones experience?



I don't think it matters.

Offline ari9

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Offline Freddie

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Re: Chase shutting down a large number of bank accounts
« Reply #5532 on: February 12, 2015, 03:58:35 PM »
#non-sequitur

If you're gonna start enforcing that on this forum, you can stay pretty busy.  ::) :) :D ;D

Offline incendia

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5534 on: February 12, 2015, 09:53:30 PM »
All 5 of my wives accounts were shut down, I was able to transfer out all of her points.
How do I know if it was credit related or perk abuse? I never buy gift cards or transfer to other peoples accounts.
Would this negatively affect her credit score since it was shut down by the bank?

Offline DVD

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5535 on: February 13, 2015, 12:39:15 AM »
All 5 of my wives accounts were shut down, I was able to transfer out all of her points.
How do I know if it was credit related or perk abuse? I never buy gift cards or transfer to other peoples accounts.
Would this negatively affect her credit score since it was shut down by the bank?


It may effect your credit score if you carry balances on other credit cards as your utilization ratio will increase.

Offline TimT

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5536 on: February 13, 2015, 12:47:56 AM »
All 5 of my wives accounts were shut down, I was able to transfer out all of her points.
How do I know if it was credit related or perk abuse? I never buy gift cards or transfer to other peoples accounts.
Would this negatively affect her credit score since it was shut down by the bank?
Would probably affect the report being shut by the bank.
5 wives !! Good luck to ya

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5537 on: February 13, 2015, 04:19:28 PM »

Would this negatively affect her credit score since it was shut down by the bank?
Lemme guess, you did not read this thread, not even a little bit.

Offline yas

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5538 on: February 14, 2015, 08:10:14 PM »
Lemme guess, you did not read this thread, not even a little bit.
Wrong!
I do apologize for ruining your day by not reading through all 365 pages of this thread, unfortunately my time does not support it.
I am also glad you are following the age old DDf custom, I see you are a fast learner.

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5539 on: February 14, 2015, 08:11:27 PM »

Wrong!
I do apologize for ruining your day by not reading through all 365 pages of this thread, unfortunately my time does not support it.
I am also glad you are following the age old DDf custom, I see you are a fast learner.
Ok! Great! You're awesome!