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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 1687142 times)

Offline CS91

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5900 on: June 01, 2016, 11:56:17 PM »
Shouldn't be a problem.
Didn't think so. Thanks.

Offline TimT

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5901 on: June 02, 2016, 12:01:07 AM »
Didn't think so. Thanks.
Been doing that for years. I never even thought about that.

Offline benjie1305

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5902 on: June 02, 2016, 07:05:52 AM »

Been doing that for years. I never even thought about that.

same here.
Work hard, Play harder!

Offline alt123

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5903 on: June 14, 2016, 11:03:59 AM »
I got a letter from Chase that they are "suspending rewards transfers" from an Ink account from which I transferred points to a card holder with a different last name.
They want documents showing that the cardholder is an owner of the business, which I dont have.
How should I respond?
Thanks

Offline Malachi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5904 on: June 14, 2016, 11:48:27 AM »
When people say that you shouldn't have your cc paid by another person (from their bank account), is that even the case for spouses? Meaning, can I pay off my wife's cc using a checking account that only has my name on it? Or could that be a red flag?
why because it's the same address? By that logic anybody at that address would be safe ?
Denny Crane

Offline Hjay

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5905 on: June 14, 2016, 01:02:12 PM »
why because it's the same address? By that logic anybody at that address would be safe ?

Tried creating a thread to discuss this topic haven't really gotten much feedback & don't know what info is true or not I'd love to hear more on the topic

http://forums.dansdeals.com/index.php?topic=62661.0

Offline cubicles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5906 on: June 14, 2016, 01:34:30 PM »
I got a letter from Chase that they are "suspending rewards transfers" from an Ink account from which I transferred points to a card holder with a different last name.
They want documents showing that the cardholder is an owner of the business, which I dont have.
How should I respond?
Thanks
now or a few months ago?

Offline emjee

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5907 on: June 14, 2016, 01:35:30 PM »
Tried creating a thread to discuss this topic haven't really gotten much feedback & don't know what info is true or not I'd love to hear more on the topic

http://forums.dansdeals.com/index.php?topic=62661.0
The answers you got were true . You had good feedback and it was simple. There's no problem with paying from other accounts .

Offline LoLo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5908 on: June 14, 2016, 06:32:36 PM »
Chase 'temporarily suspended' my friend's new CCs to review them, only trigger he can think of is a cash advance, any chance they'll be reopened or will they shut his accounts?

Offline LoLo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5909 on: June 15, 2016, 10:05:54 AM »
Chase 'temporarily suspended' my friend's new CCs to review them, only trigger he can think of is a cash advance, any chance they'll be reopened or will they shut his accounts?
BUMP, anyone knows?

Offline cubicles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5910 on: June 15, 2016, 02:31:18 PM »
And here we go again
chase woke up for transfers that were made a few months ago

Offline LoLo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5911 on: June 17, 2016, 04:07:14 PM »
Chase 'temporarily suspended' my friend's new CCs to review them, only trigger he can think of is a cash advance, any chance they'll be reopened or will they shut his accounts?
Update: they closed his accounts supposedly due to 'ID theft'.. even though he went to the branch with proof of personal info, any chance to get accounts reopened?

Offline Malachi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5912 on: June 18, 2016, 11:48:04 PM »
And here we go again
chase woke up for transfers that were made a few months ago
this happened me a couple of months ago. I never responded. And nothing happened
Denny Crane

Offline ari2955

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5913 on: June 19, 2016, 01:06:13 AM »
this happened me a couple of months ago. I never responded. And nothing happened

Are you able to do UR transfers?

Offline Malachi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5914 on: June 19, 2016, 06:15:34 PM »
Are you able to do UR transfers?
no
Denny Crane

Offline TimT

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5915 on: June 19, 2016, 06:23:18 PM »
no
What do you do with UR points ?

Offline Malachi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5916 on: June 19, 2016, 10:35:05 PM »
What do you do with UR points ?
they were already transferred.
Denny Crane

Offline myi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5917 on: July 27, 2016, 03:47:44 AM »
And here we go again
chase woke up for transfers that were made a few months ago
You transferred to whoever you did, with them being one of your AU? Or you did the transfer without having them added as a user?
Quote
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Offline queensdeals

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5918 on: July 28, 2016, 02:53:18 PM »
Has anyone ever heard of people having trouble with chase because they received a points transfer into a Hotel chain (e.g. Hyatt) from someone else's Chase UR account. In other words, does chase UR ever track to the recipient as opposed to just the point transferer?

In theory, this could enable them to terminate the Chase account of cross matching names.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5919 on: July 28, 2016, 03:32:27 PM »
You transferred to whoever you did, with them being one of your AU? Or you did the transfer without having them added as a user?
without