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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 1686761 times)

Offline Bp

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #200 on: January 04, 2012, 10:43:52 AM »
Did he give any advice on how to survive this?
No,
He said the ppl at the branch are livid when they close down big accounts, and they cant do anything.

Offline eliteflyer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #201 on: January 04, 2012, 11:16:50 AM »
Perhaps going forward, it would be wise to actually request that when new cards are opened, the overall CL not be increased more than necessary to meet minimum thresholds required by the particular card.

I'm just weighing my options. At this point, I only have the Chase CO card with a very low credit tilization, and would like to do a 3BM application for my wife and I for United, Hyatt, and Saphire to 'finance' some upcoming travel.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #202 on: February 07, 2012, 11:17:58 AM »
I put in my application an annual income of 50k and have a credit line of $38,400 , am I at risk since my credit line is close to my income? I just got my 3bbm approved instantly( united, saphire, southwest).

Also are 3 bbm risky of having an acct closed?

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #203 on: February 07, 2012, 11:25:23 AM »
I put in my application an annual income of 50k and have a credit line of $38,400 , am I at risk since my credit line is close to my income? I just got my 3bbm approved instantly( united, saphire, southwest).

Also are 3 bbm risky of having an acct closed?

Chase AA seems to be more about people who abuse their promotions/rewards rather than credit risk (which is what typically triggers Amex FR).
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #204 on: February 07, 2012, 11:49:56 AM »
Chase AA seems to be more about people who abuse their promotions/rewards rather than credit risk (which is what typically triggers Amex FR).
I don't think it's just abuse.  We've heard reports of Chase closing down people for high utilization from other banks, IIRC.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #205 on: February 07, 2012, 11:52:09 AM »
I don't think it's just abuse.  We've heard reports of Chase closing down people for high utilization from other banks, IIRC.

Still, the overwhelming majority of AA (at least as reported here) is due to abuse.
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Offline ye

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #206 on: February 07, 2012, 11:56:29 AM »
Still, the overwhelming majority of AA (at least as reported here) is due to abuse.
Abuse as in spending too much on the AARP card, or churning too often?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #207 on: February 07, 2012, 11:59:12 AM »
No abuse by my 5 family members who were shut down (3 were later opened back up).

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #208 on: February 07, 2012, 12:00:34 PM »
No abuse by my 5 family members who were shut down (3 were later opened back up).

But the first family member was shut down due to abuse, yes?

The subsequent family members have any issues with utilization from other issuers?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #209 on: February 07, 2012, 12:08:32 PM »
I don't think it's just abuse.  We've heard reports of Chase closing down people for high utilization from other banks, IIRC.

...or too many recently opened accounts. No abuse.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #210 on: February 07, 2012, 12:32:07 PM »
But the first family member was shut down due to abuse, yes?


Yes, I guess.

Quote
The subsequent family members have any issues with utilization from other issuers?

Nope, zilch.


Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #211 on: February 07, 2012, 12:32:54 PM »
...or too many recently opened accounts. No abuse.

Isn't that a form of abuse, especially with the fat signup bonuses?

Yes, I guess.

Nope, zilch.



Precisely my point.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #212 on: February 07, 2012, 12:43:22 PM »
Isn't that a form of abuse, especially with the fat signup bonuses?

Accounts opened at OTHER FIs? Not sure I agree.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #213 on: February 07, 2012, 12:57:14 PM »
Accounts opened at OTHER FIs? Not sure I agree.
+1
Too many accounts at other FI's seems to bother Chase as well. No abuse there.

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #214 on: February 07, 2012, 01:01:09 PM »
Accounts opened at OTHER FIs? Not sure I agree.

Sorry, misunderstood your post which I quoted. You're right, in that case it isn't abuse and Chase goes and AAs. But I'll maintain my position:

Still, the overwhelming majority of AA (at least as reported here) is due to abuse.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #215 on: February 07, 2012, 01:23:58 PM »
Sorry, misunderstood your post which I quoted. You're right, in that case it isn't abuse and Chase goes and AAs. But I'll maintain my position:

Have there been more than a few AA reported here? All the ones I recall were AA'd for a reason other than abuse... Aside from our favorite AARP cheerleader, of course.
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #216 on: February 07, 2012, 01:37:39 PM »
Have there been more than a few AA reported here? All the ones I recall were AA'd for a reason other than abuse... Aside from our favorite AARP cheerleader, of course.

I don't think myb821's, Avid Reader & fam's and/or BrooklynCPA's had anything to do with credit risk.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #217 on: February 07, 2012, 02:04:08 PM »
I don't think myb821's, Avid Reader & fam's and/or BrooklynCPA's had anything to do with credit risk.

I don't know about the others, but it didn't seem to me that myb821 was shut down for abuse. Can't seem to tell from BrooklynCPA.

Even so, that's a small sample size to call that an "overwhelming majority" :)
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #218 on: February 07, 2012, 02:05:20 PM »
im not sure what i was shut down for since it seemed to be the credit department that shut me down but i am not positive what i was shutdown for

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #219 on: February 07, 2012, 02:30:43 PM »
I don't know about the others, but it didn't seem to me that myb821 was shut down for abuse. Can't seem to tell from BrooklynCPA.

Even so, that's a small sample size to call that an "overwhelming majority" :)

I qualified my statements, and if it was insufficient/unclear, let me clarify:
1. These are my opinions/understandings.
2. The people I mentioned by name were examples, there were other reports here and elsewhere that give me the 'feeling' I have.
3. All those people I mentioned, and other from this site, have discussed their situation with me more extensively than what they posted here, so I might have more info.

In any case, Chase goes about it very differently than Amex, and since they typically don't offer a reason or a chance to prove creditworthiness, lends credence to my hypothesis.

im not sure what i was shut down for since it seemed to be the credit department that shut me down but i am not positive what i was shutdown for

Just because they call it the 'credit' department....
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