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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 1127797 times)

Offline mancunian

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5985 on: December 14, 2016, 05:48:56 PM »
They love people who don't pay in full. That way they actually make some money off you.
:D

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5986 on: December 14, 2016, 08:30:41 PM »
Anyone get letters recently for selling ur?

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5987 on: December 15, 2016, 07:28:53 PM »
they explicitly told you that?
They told you that ?
they said i got 4 cc from them in one month and too little credit history

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5988 on: December 16, 2016, 03:03:58 PM »
is there anyway to overturn this??
can anyone please help?! :-[ :'(

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5989 on: December 18, 2016, 10:52:07 AM »
is this an a/a?

We weren't able to sign you in; please call us so we can help.

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Exit

Offline David Smith

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5990 on: December 18, 2016, 10:55:43 AM »
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5991 on: December 19, 2016, 11:25:47 AM »
I got shut down a few years ago and lost about 100k points
Just got a letter from some class action stating they sued chase for stealing points during AAs and won and are getting some type of compensation now for all "victims"

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5992 on: December 19, 2016, 11:28:34 AM »
I got shut down a few years ago and lost about 100k points
Just got a letter from some class action stating they sued chase for stealing points during AAs and won and are getting some type of compensation now for all "victims"
Is their a claim number? If so put that in and it will tell you the amount of points.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5993 on: December 19, 2016, 11:32:35 AM »
yah i got a claim # but dont think they will fully compensate as lawyers take all money

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5994 on: December 19, 2016, 11:41:43 AM »
yah i got a claim # but dont think they will fully compensate as lawyers take all money
True but you can see if it is based on the right amount of points.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5995 on: December 19, 2016, 11:50:29 AM »
its about the right amount
seems they are only doing the ultimate rewards points

Offline EJB

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5996 on: December 19, 2016, 11:52:26 AM »
Enjoy your $20 check

Offline JTZ

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5997 on: December 19, 2016, 11:55:55 AM »
Enjoy your $20 check
Thanks to those bottom feeding lawyers.  :P
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline EJB

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5998 on: December 19, 2016, 11:56:24 AM »
Thanks to those bottom feeding lawyers.  :P

Hey, they lost points too

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #5999 on: December 19, 2016, 01:47:09 PM »
I got shut down a few years ago and lost about 100k points
Just got a letter from some class action stating they sued chase for stealing points during AAs and won and are getting some type of compensation now for all "victims"
did you ever get back in?