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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 (73.5%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
64 (10.7%)

Total Members Voted: 595

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1128797 times)

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5970 on: December 06, 2016, 07:02:55 PM »
Yep. I had that too. Luckily they only shut down my checking account. B"H
Yes you were lucky.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5971 on: December 06, 2016, 07:11:48 PM »
Yes you were lucky.
Kinda. It was triggered due to an FR, and it ended up being the cause of me losing my relationship with Barclay's, so luck is all a matter of perspective

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5972 on: December 06, 2016, 07:19:33 PM »
Kinda. It was triggered due to an FR, and it ended up being the cause of me losing my relationship with Barclay's, so luck is all a matter of perspective
How did an FR trigger a chase shut down?
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Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5973 on: December 06, 2016, 07:20:59 PM »
How did an FR trigger a chase shut down?
Because I owed amex 17k, and it was reccomended to pay up first, so I hastily deposited everything I had into my account. MO's, structured checks...

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5974 on: December 06, 2016, 07:22:34 PM »
Because I owed amex 17k, and it was reccomended to pay up first, so I hastily deposited everything I had into my account. MO's, structured checks...
Ouch. And IIRC you lost barclay because of some late payments?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5975 on: December 06, 2016, 07:25:04 PM »


Ouch. And IIRC you lost barclay because of some returned payments?
FTFY
That was because chase never told me that my account was frozen, and the rest as they say is history.

Offline mmgfarb

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Chase A/A Master Thread (Now With Poll)
« Reply #5976 on: December 06, 2016, 07:25:59 PM »
FTFY
That was because chase never told me that my account was frozen, and the rest as they say is history.
Yep, sorry to hear all that. It really sucks that it all led from one to the other.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline shulem92

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5977 on: December 06, 2016, 07:29:03 PM »
Yep, sorry to hear all that. It really sucks that it all led from one to the other.
To top it off I got married while it was all going down (even though that was good ), so I didn't even have a chance to properly HUCA. Lol.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5978 on: December 06, 2016, 09:12:13 PM »
What's the consensus -- will maxing out CSR credit line on 3x categories a couple times a month constitute "perk abuse?"

Also, any recent  DP's on "perk abuse?"
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 JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5979 on: December 06, 2016, 09:21:12 PM »
I am not buying the perk abuse line.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5980 on: December 14, 2016, 02:01:27 PM »
#secretlyhopingthat3BMwasnotthecause
that's what caused me to get closed!

Offline rileywiles23

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5981 on: December 14, 2016, 03:57:01 PM »
that's what caused me to get closed!
They told you that ?
Life is as good as you make it...

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5982 on: December 14, 2016, 04:18:28 PM »
that's what caused me to get closed!
they explicitly told you that?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline mancunian

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5983 on: December 14, 2016, 05:43:19 PM »
Not paying in full one month a trigger? I also use 80% of limits on a monthly basis

Offline TimT

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5984 on: December 14, 2016, 05:45:12 PM »
Not paying in full one month a trigger?
They love people who don't pay in full. That way they actually make some money off you.