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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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.4%)
No (Bli Ayin Horah)
439 (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: 597

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1175145 times)

Offline ShlockDoc

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5610 on: March 15, 2015, 12:57:50 AM »
I recently applied for the United Explorer and Sapphire preferred. Shortly after meeting the spending requirements all accounts were shut down. About 3 weeks after being shut down the points for both cards posted, however on the United only 30k posted instead of the 50k.
Is it pushing it to request the remaining 20k after the account was shut down? even the 30k I got was a pleasant surprise.

Why the shutdowns?

Offline Boruch999

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5611 on: March 15, 2015, 06:56:11 PM »
I recently applied for the United Explorer and Sapphire preferred. Shortly after meeting the spending requirements all accounts were shut down. About 3 weeks after being shut down the points for both cards posted, however on the United only 30k posted instead of the 50k.
Is it pushing it to request the remaining 20k after the account was shut down? even the 30k I got was a pleasant surprise.
PGFHGS

Offline Malachi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5612 on: March 15, 2015, 09:59:32 PM »
Denny Crane

Offline yas

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5613 on: March 15, 2015, 10:18:08 PM »
Why the shutdowns?
After speaking to Chase it seems it was triggered by a sudden 8k dollar purchase, that was not my typical spending pattern. The reasons mentioned on my letter were: 1)A rapid increase in revolving balances. 2) Not enough credit information on file 3)Too many requests for credit. This is all with a credit score of 780.

Offline Toasted

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5614 on: March 15, 2015, 11:24:17 PM »
After speaking to Chase it seems it was triggered by a sudden 8k dollar purchase, that was not my typical spending pattern. The reasons mentioned on my letter were: 1)A rapid increase in revolving balances. 2) Not enough credit information on file 3)Too many requests for credit. This is all with a credit score of 780.
On a Chase card or a different company?

Offline yas

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5615 on: March 24, 2015, 12:33:51 AM »
On a Chase card or a different company?
Chase card

Offline nobiggy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5616 on: March 31, 2015, 05:01:46 AM »
After speaking to Chase it seems it was triggered by a sudden 8k dollar purchase, that was not my typical spending pattern. The reasons mentioned on my letter were: 1)A rapid increase in revolving balances. 2) Not enough credit information on file 3)Too many requests for credit. This is all with a credit score of 780.
How old is your oldest cc?

Offline lunatic

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5617 on: March 31, 2015, 07:07:57 AM »
Closing cards now also allows you to fleece them for another 104K miles in a couple of months. ;)

When in Kollel DW and I opened 2 SW cards each aw every 2-3 months throughout the year. We both got approved for new SW cards while old closed accounts were still showing online.

Cashed out miles for approx $11K which was a huge help while in Kollel.

Hope that made g-d happy.....

Offline rileywiles23

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5618 on: March 31, 2015, 08:11:11 AM »

Hope that made g-d happy.....
now what was the reason for that comment ??
Life is as good as you make it...

Offline Aj3042

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5619 on: March 31, 2015, 09:17:51 AM »
now what was the reason for that comment ??
His desire to express his opinion.

Offline Yordai Dooma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5620 on: April 03, 2015, 12:21:05 AM »
His desire to express his opinion.
+1
And while I'm posting, i happen to agree with it

Offline Aj3042

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5621 on: April 03, 2015, 09:46:45 AM »
+1
And while I'm posting, i happen to agree with it
Seems like you also desire to express your opinion. ;D

Offline moen

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5622 on: April 15, 2015, 03:58:32 PM »
I was a/a by Chase 2 days ago, was able to transfer out points but when called to reconsider the closures was told I had 11 cards open in the past year, plus a big spike i credit usage recently, and all of this is on top of only 4 years credit history. I tried offering to close some cards and paying off the balances immediately on the phone but the rep just kept repeating "I have to agree that the closures are warranted".
What else can try?

Offline involved!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5623 on: April 15, 2015, 04:54:23 PM »
Does chase a/a on checkin accounts ever expire? Meaning if they shut my checking Accts can I ever open one again

Offline eAge

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5624 on: April 15, 2015, 11:53:18 PM »

I was a/a by Chase 2 days ago, was able to transfer out points but when called to reconsider the closures was told I had 11 cards open in the past year, plus a big spike i credit usage recently, and all of this is on top of only 4 years credit history. I tried offering to close some cards and paying off the balances immediately on the phone but the rep just kept repeating "I have to agree that the closures are warranted".
What else can try?
Put a fork in it, try again in a few months