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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 1687060 times)

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #40 on: November 10, 2011, 12:21:25 AM »
...for what reason?
read the rest of my post (noobie question  :P)

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #41 on: November 10, 2011, 12:22:11 AM »
read the rest of my post (noobie question  :P)
ur post doesnt say why they closed them

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #42 on: November 10, 2011, 12:22:36 AM »
ur post doesnt say why they closed them
EXACTLY!!!!

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #43 on: November 10, 2011, 12:23:25 AM »
read the rest of my post (noobie question  :P)

:P

Really? The only thing they said when you asked is "that's Chase"?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #44 on: November 10, 2011, 12:24:54 AM »
If you're confident your credit is immaculate, utilization is not heavily weighted only with them, and personal data is on the up & up, and you spend heavily on a monthly basis (without suspicious charges like amazon funds shifting) then they may think you're money laundering.
But they would never tell you that.

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #45 on: November 10, 2011, 12:26:34 AM »
:P

Really? The only thing they said when you asked is "that's Chase"?
YUP!!!

on the side i am a NOOBIE LOVER. and when he whose name may not be said rises back up to power, i will be the first tp battle him to death.

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #46 on: November 10, 2011, 12:27:29 AM »
i dont spend alot max 2-3k a month

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #47 on: November 10, 2011, 12:27:53 AM »
If you're confident your credit is immaculate, utilization is not heavily weighted only with them, and personal data is on the up & up, and you spend heavily on a monthly basis (without suspicious charges like amazon funds shifting) then they may think you're money laundering.
But they would never tell you that.
of course that is why they did it but they never said that, and it is very simple to prove if i am or i am not, dont close my accts

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #48 on: November 10, 2011, 12:28:35 AM »
YUP!!!


I feel like you could appeal this decision by executive service team.


on the side i am a NOOBIE LOVER. and when he whose name may not be said rises back up to power, i will be the first tp battle him to death.

 ???
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #49 on: November 10, 2011, 12:31:33 AM »
I feel like you could appeal this decision by executive service team.


 ???
no you cant, trust me the bankers at chase want me there, they cant do anything abt it.

i just finished the harry potter movie

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #50 on: November 10, 2011, 12:32:17 AM »
no you cant, trust me the bankers at chase want me there, they cant do anything abt it.

i just finished the harry potter movie
lol

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #51 on: November 10, 2011, 12:33:58 AM »
no you cant, trust me the bankers at chase want me there, they cant do anything abt it.

I wasn't talking about the personal bankers.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #52 on: November 10, 2011, 12:37:16 AM »
I wasn't talking about the personal bankers.
i know what you were saying, i was responding by saying that the personal bankers themselves tried getting it reversed

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #53 on: November 10, 2011, 12:40:10 AM »
i know what you were saying, i was responding by saying that the personal bankers themselves tried getting it reversed

Still think its worth a shot to do it yourself, especially given the curious circumstances.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Q274

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #54 on: November 10, 2011, 12:46:34 AM »
Still think its worth a shot to do it yourself, especially given the curious circumstances.
phine #?

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #55 on: November 10, 2011, 12:47:49 AM »
phine #?
Quote from: dan
Chase: 888-622-7547 (Chase Executive Office)

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #56 on: November 10, 2011, 12:56:18 AM »
So you're still blacklisted? Had you had a history with Chase prior to the shutdown?

Just out of curiosity, how did you end up paying the 20K bill, on the phone?

Yes, still blacklisted as of earlier this year. It's unofficial, but nothing helps to get the door open. I'll be sure to let ya'll know f and hwen they open the door again. I currently working on something which may help.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #57 on: November 10, 2011, 12:57:49 AM »
@myb821

Is that the route you're gonna go tomorrow? Executive CSR?

Yes, still blacklisted as of earlier this year. It's unofficial, but nothing helps to get the door open. I'll be sure to let ya'll know f and hwen they open the door again. I currently working on something which may help.

How long ago was this whole debacle?

Have you tried the executive office?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #58 on: November 10, 2011, 12:58:57 AM »
@myb821

Is that the route you're gonna go tomorrow? Executive CSR?

How long ago was this whole debacle?

Have you tried the executive office?
first i will go through reg and then if not executive department

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #59 on: November 10, 2011, 01:01:15 AM »


How long ago was this whole debacle?

Have you tried the executive office?

A some 2-3 years ago.

I'm not sure if  did. I might try soon.