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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 1687312 times)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #180 on: December 21, 2011, 03:05:25 PM »
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Offline compddd

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #181 on: December 21, 2011, 03:13:54 PM »
:(

Will you be boycotting Chase now?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #182 on: December 21, 2011, 03:23:16 PM »
:(

Will you be boycotting Chase now?

I love my brother, but no.

That won't accomplish anything.
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Offline Yellow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #183 on: December 21, 2011, 04:15:27 PM »

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #184 on: December 21, 2011, 04:38:15 PM »
So we have another report of AA because of 3BM?
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Offline Chaikel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #185 on: December 21, 2011, 05:33:00 PM »
Was this for only 1 3BM?
Did it happen to anyone for a 2BM?
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Offline syp5

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #186 on: January 03, 2012, 06:29:48 AM »
I recently opened 3 Chase Credit Cards (freedom, sapphire and ink bold), a personal and business checking. About a week after opening the the business checking account i tried to make a deposit in the branch but was told the account was restricted and was going to be closed.

The branch couldn't give me a reason for the closure but said i should call the number on the back of the card. Upon calling, the phone rep. called the back office which said it was due to 5 chase charge offs in 2008.

I responded that that was totally untrue and i regularly monitor my credit reports and have never seen these supposed charge offs. (i did have about 5 cards closed in 2008 but i thought it was due to churning, i never even had a late payment) Their response was that i should bring a copy of my credit report into the branch and have the manager fax it into them. I did that and we initiated a dispute. I received a response that these accounts were no longer in their system and they were instructing the credit bureaus to delete these accounts.

In the meantime i received a letter that my personal account was being closed. Upon calling i was told that they cannot tell me the reason but they are reserving the right to close the account for no reason. The branch manager contacted the rep. in compliance who closed my personal acct who said it was closed due to the business acct being closed and if that acct was reopened she would reopen the personal as well.

The branch manager than faxed my dispute resolution back to the new accts department who responded that the letter was insufficient and a more specific letter stating that i never had the charge offs was needed. He tried for about 40 minutes speaking to 5 different reps none of who were the right depmnt to issue this letter.

Exasperated he said he'll work on it further. I than contacted chase executive office and told them the story, they called back a couple days later that she can't give me reasons but the account was going to be closed. The next day my credit cards and my wifes credit card (she was joint on the personal checking) were closed for some bs reasons such as insufficient bank card history.

I called the executive office again to try to explain that i knew all this was happening due to a inaccurate report of charge offs but nothing doing but she is trying to issue me a check for my points. I have never dealt with such an ineffective bureaucracy. I am not desperate to bank with chase i just liked their ultimate rewards program, but i'm concerned now that these closed accts will have an adverse effect on my credit.

Offline Chaikel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #187 on: January 03, 2012, 08:53:54 AM »
That does it. I'm not calling to get my 3rd card pushed through
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Offline Mocha

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #188 on: January 03, 2012, 09:45:25 AM »
That does it. I'm not calling to get my 3rd card pushed through
Was just going to call tonight myself. Now having your doubts. Is this some freak case or does the 3bm trigger these closures?

Offline compddd

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #189 on: January 03, 2012, 09:52:23 AM »
Sounds like Chase is in take no prisoners mode :(

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #190 on: January 03, 2012, 09:53:34 AM »
Sounds like Chase is in take no prisoners mode :(
I think I heard that before.  ;)
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Offline syp5

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #191 on: January 03, 2012, 10:11:07 AM »
My credit cards got closed about a month after my checking accts, so it would seem like it wasn't the credit cards that triggered the aa

Offline BrooklynCPA

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #192 on: January 03, 2012, 10:22:40 AM »
To SYP5: Join the "Screwed by Chase" club. I feel your pain. I hope they go down like Bear Stearns!!!!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #193 on: January 03, 2012, 10:31:22 AM »
I hope they go down like Bear Stearns!!!!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #194 on: January 03, 2012, 10:35:55 AM »
Chase is here to stay or at least long enough for the AARP card to run its course!   ;D
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #195 on: January 03, 2012, 10:43:52 AM »
That does it. I'm not calling to get my 3rd card pushed through
+1 i was gonna call today to try getting an Ink Bold card pushed through, but now im thinking that i better not rock the boat

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #196 on: January 04, 2012, 04:26:26 AM »
looks like 3bm is having "a slow painfull death"
is there any recent successful stories with 3bm?
I'm just say'in©®

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #197 on: January 04, 2012, 08:25:33 AM »
I don't think it's simply the 3BM that's doing it. There are other factors involved, which no one really knows for sure. I know of people who've been shut down with no 3 BMs involved.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #198 on: January 04, 2012, 09:06:14 AM »
A chase banker told me, that when they suspect irregular activity and they shut down an account, they will look into all accounts associated with that accnt(address/a lot of transactions/family)and if they think there is even the slightest risk, they'll shut it down as well.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #199 on: January 04, 2012, 10:30:46 AM »
Did he give any advice on how to survive this?