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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 1687490 times)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #220 on: February 07, 2012, 02:34:59 PM »
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.

Fair enough.

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.

Except for at least the case of my brother which was directly due to a credit risk and in which they gave no opportunity to prove otherwise.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #221 on: February 07, 2012, 02:57:49 PM »
Except for at least the case of my brother which was directly due to a credit risk and in which they gave no opportunity to prove otherwise.

In your Brother's case (as you described here), it can be interpreted to mean that they were cracking down on him as a churner (read:abuse) although he's not actually seen as a credit risk.

Just my opinion.
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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #222 on: February 07, 2012, 04:28:32 PM »
Chase looks at things from and internal and external view points. Internal would be things like spending patterns and number of Chase cards opened. External would be based on your CR. Good luck trying to figure out the who, what and where.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #223 on: February 07, 2012, 08:51:44 PM »
Chase AA seems to be more about people who abuse their promotions/rewards rather than credit risk (which is what typically triggers Amex FR).

So is a 3 bbm included ?

Offline BrooklynCPA

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #224 on: February 08, 2012, 10:08:51 AM »
I believe that when you are flagged they do a total analysis and if they see from past history that they don't profit from you they close you down. If they don't see a lot of spending and if you have a history of paying full balances on time there is no profit to be made. Its a simple business decision. This is why I was shut down after I refinanced my mortgage away from Chase and I was no longer an asset to them. This is the only bank that does this and I think it is unethical.

We have excellent credit and they would not have totally shut me down if that was the issue.

Offline Mocha

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #225 on: February 08, 2012, 10:38:20 AM »
I believe that when you are flagged they do a total analysis and if they see from past history that they don't profit from you they close you down. If they don't see a lot of spending and if you have a history of paying full balances on time there is no profit to be made. Its a simple business decision. This is why I was shut down after I refinanced my mortgage away from Chase and I was no longer an asset to them. This is the only bank that does this and I think it is unethical.

We have excellent credit and they would not have totally shut me down if that was the issue.
Once shut down is there any hope in reopening a card down the line?

Offline Avid Reader

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #226 on: February 08, 2012, 11:30:17 AM »
Once shut down is there any hope in reopening a card down the line?
I'm shut for 3 years or so already. Every app I've submitted since they shut me down was declined.
I'll be trying again soon though, as I reason to believe that I'm in a better position now, at least according to one banker I spoke with.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #227 on: February 08, 2012, 11:32:14 AM »
I'll be trying again soon though, as I reason to believe that I'm in a better position now, at least according to one banker I spoke with.

How long has it been since you last app?
What has changed since then?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #228 on: February 08, 2012, 11:34:56 AM »
How long has it been since you last app?
What has changed since then?
Been about a year.
If the change actually helps, I'll post what it was.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #229 on: February 08, 2012, 11:37:26 AM »
If the change actually helps, I'll post what it was.

Fair enough, thanks!

Wishing you luck!
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #230 on: February 08, 2012, 11:39:14 AM »
Fair enough, thanks!

Wishing you luck!
+1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #231 on: February 08, 2012, 11:59:06 AM »
chase wount even give me a bank acct i am joint on my wife

they have not let me in 4 yrs

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #232 on: February 08, 2012, 12:48:23 PM »
Feel for you both. Sheesh that really stinks.
Can you both pitch some guidance into what you think should be done/not done while churning and opening cards to would avoid a shut-down?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #233 on: February 08, 2012, 12:48:56 PM »
chase wount even give me a bank acct i am joint on my wife

What do you think triggered your AA?
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Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #234 on: February 08, 2012, 12:53:05 PM »
This seems like a serious issue.
We ALL need to dig in deeper to this and get to the bottom as to why and when they shut you down. Once you're shut its a heck of a lot sleepless nights... :'(

Let's use all our resources, every connection with any high ranking and/or knowledgeded Chase banker etc.

We need to find out the exact triggering path and prevent it from happening (at least to our fellow DDFers..

Let's keep this thread on top and alive until we have something concrete.

Thank you all!

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #235 on: February 08, 2012, 01:29:15 PM »
This seems like a serious issue.
We ALL need to dig in deeper to this and get to the bottom as to why and when they shut you down. Once you're shut its a heck of a lot sleepless nights... :'(

Let's use all our resources, every connection with any high ranking and/or knowledgeded Chase banker etc.

We need to find out the exact triggering path and prevent it from happening (at least to our fellow DDFers..

Let's keep this thread on top and alive until we have something concrete.

Thank you all!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #236 on: February 08, 2012, 01:42:06 PM »
i think the only real solution is if we make a lot of noise about this over the web

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #237 on: February 08, 2012, 01:42:31 PM »
It is a serious issue, but until it starts happening to more just a handful out of thousands of DDF members (a la the much more common, yet less ruthless FR) it's nothing to lose sleep over IMHO.
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.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #238 on: February 08, 2012, 01:43:25 PM »
i think the only real solution is if we make a lot of noise about this over the web
Better to try to get it in the WSJ or at least a big consumer advocate column to actually get something changed.
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.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #239 on: February 08, 2012, 02:07:52 PM »
Better to try to get it in the WSJ or at least a big consumer advocate column to actually get something changed.

WSJ good place to try --- publicity is the way to go Someone needs to call / write  give them the facts and post stories on web sites