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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 (73.4%)
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
65 (10.9%)

Total Members Voted: 596

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1147091 times)

Offline Hjay

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5955 on: December 03, 2016, 12:57:44 PM »
I don't think anyone can answer this. It's certainly a possible trigger. I had my Citi cards closed for that, and others have reported the same for Chase. I would certainly avoid it.
Why is it diff than paying your bill directly from a 3rd party's acct? I've been told here that's not a problem

Offline Howard@

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5956 on: December 03, 2016, 01:21:24 PM »
I don't think anyone can answer this. It's certainly a possible trigger. I had my Citi cards closed for that, and others have reported the same for Chase. I would certainly avoid it.
How about paying from a family members bank account online is that a known trigger?

Offline chbochur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5957 on: December 03, 2016, 08:54:16 PM »
Does becoming a CPC help get a New card
It definitely helped me

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5958 on: December 03, 2016, 10:03:43 PM »
And you didn't get shutdown right away?

Offline chbochur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5959 on: December 04, 2016, 12:49:08 AM »
And you didn't get shutdown right away?
Took two months (but I don't think it was related, has every other risk in the book running)

Offline princea143

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Chase Shutdown w/o Notice
« Reply #5960 on: December 05, 2016, 03:33:35 PM »
Chase gave wife and me the axe without notice on the 11/29. All 7 ccs including Ink. Still have checking accounts intact but only until 12/28. Thank goodness I was still able to transfer UR out. Anyone have any pointers when contacting exec office or if there is even a way to get reinstated?  I was told to contact them.  I know a Chase banker who gave me the direct line, and she spoke to compliance for me.  They say there is nothing that we can do, and there are no details to why we were shutdown, but I wonder if anybody here has gotten out of it.  I thought they were supposed to do a financial review before doing anything.  Member since 2006.  Help!


Offline SrulyS

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Re: Chase Shutdown w/o Notice
« Reply #5961 on: December 05, 2016, 03:37:56 PM »
Chase gave wife and me the axe without notice on the 11/29. All 7 ccs including Ink. Still have checking accounts intact but only until 12/28. Thank goodness I was still able to transfer UR out. Anyone have any pointers when contacting exec office or if there is even a way to get reinstated?  I was told to contact them.  I know a Chase banker who gave me the direct line, and she spoke to compliance for me.  They say there is nothing that we can do, and there are no details to why we were shutdown, but I wonder if anybody here has gotten out of it.  I thought they were supposed to do a financial review before doing anything.  Member since 2006.  Help!

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Offline JTZ

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Re: Chase Shutdown w/o Notice
« Reply #5962 on: December 05, 2016, 04:54:13 PM »
Chase gave wife and me the axe without notice on the 11/29.
Were you joint account holders on anything?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline princea143

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Re: Chase Shutdown w/o Notice
« Reply #5963 on: December 05, 2016, 07:04:13 PM »
Were you joint account holders on anything?

Yes for one checking account and AUs for each others ccs.  For future reference, I would keep everything separate for banks that you have ccs with especially big banks, and just deposit MOs in credit unions or smaller banks.  This way they don't cut all of your legs at once. 

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5964 on: December 06, 2016, 09:49:34 AM »
My Chase United Explorer account opened about 3 months ago was shut down for the following reason "because our affiliate is ending its banking relationship with you".

I do not have any banking relationship with Chase or any of its affiliates, I called Chase Executive Department, they were unable to find out any details why my account was shut down and were unable/refuse to do anything about it.

Offline JTZ

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Re: Chase Shutdown w/o Notice
« Reply #5965 on: December 06, 2016, 09:54:20 AM »
Yes for one checking account and AUs for each others ccs.  For future reference, I would keep everything separate for banks that you have ccs with especially big banks, and just deposit MOs in credit unions or smaller banks.  This way they don't cut all of your legs at once.
AU's AFAIK don't matter. My guess is your checking is what caused the AA and the CC's are collateral damage.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline rileywiles23

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5966 on: December 06, 2016, 11:04:59 AM »
Yes for one checking account and AUs for each others ccs.  For future reference, I would keep everything separate for banks that you have ccs with especially big banks, and just deposit MOs in credit unions or smaller banks.  This way they don't cut all of your legs at once.
Were you using the chase bank account for ms activities ?
Life is as good as you make it...

Offline princea143

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5967 on: December 06, 2016, 03:47:54 PM »
Were you using the chase bank account for ms activities ?

Yes for like 3 months a few months ago, I deposited MOs which I had a feeling was a bad idea.  Coincidentally, I heard people were getting closed down for that so I stopped immediately. 

Offline rileywiles23

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5968 on: December 06, 2016, 03:49:49 PM »
Yes for like 3 months a few months ago, I deposited MOs which I had a feeling was a bad idea.  Coincidentally, I heard people were getting closed down for that so I stopped immediately.
There is your answer. Sorry man.
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Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5969 on: December 06, 2016, 04:12:59 PM »
AU's AFAIK don't matter. My guess is your checking is what caused the AA and the CC's are collateral damage.

Yes for like 3 months a few months ago, I deposited MOs which I had a feeling was a bad idea.  Coincidentally, I heard people were getting closed down for that so I stopped immediately.
Yep. I had that too. Luckily they only shut down my checking account. B"H