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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 1686816 times)

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6520 on: February 03, 2018, 08:25:33 PM »
Tapatalk doesn't show strike throughs.....
Realized that when you replied
Lol

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Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6521 on: February 03, 2018, 10:52:38 PM »
Don't they say closed?
Once you click on the card at the top left it should say closed.
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6522 on: February 03, 2018, 10:53:57 PM »
Once you click on the card at the top left it should say closed.
*Lots of experience*
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6523 on: February 03, 2018, 10:56:40 PM »
*Lots of experience*

Going by what I heard.  :P
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6524 on: February 03, 2018, 10:57:47 PM »
Going by what I heard. 
*Voices in my head*
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Offline Pesach

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6525 on: February 03, 2018, 11:15:05 PM »
anyone have luck getting class a/a reversed after cfpb?

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6526 on: February 03, 2018, 11:15:51 PM »
anyone have luck getting class a/a reversed after cfpb?
Yes, a friend of mine got it reversed halfway.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6527 on: February 04, 2018, 07:59:29 AM »
Yes, a friend of mine got it reversed halfway.
what's halfway?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6528 on: February 04, 2018, 08:05:35 AM »
what's halfway?
One of 2 cards, the business one which was also the second card whose app presumably was the one that caused the AA
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6529 on: February 12, 2018, 06:53:51 PM »
AFAF.
Had a CSP, opened a CIP, got an AA, reopened CIP with CFPB.
At what point should I feel safe opening another card?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline yomo

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6530 on: February 19, 2018, 05:25:52 PM »
Why dont you understand? some guy that sells on Amazon uses her cards and some other peoples cards and pays off all the cards from his account.
I assume this was a chase bank account? Or was it another bank account which they noted being linked to several of their credit cards?

Offline NOOCH

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6531 on: February 22, 2018, 02:02:25 PM »
Dunno if this info will help. But ill put it out there.
I got  A/A. all personal CCs and checking and savings account we closed. my personal checking was joint with my wife. my business cc and my wife's personal CC not  affected. dont have a business checking.

CCs were disabled immediately, checking and savings were given 30 days to withdraw all funds before closing.
i went ahead and opened a new checking and savings accoutn for myself and my wife (separately) and they were all accepted .as of now the new accounts are in good standing. ill update if they get closed.

im curios which CCs ppl are getting instead of chase.


Offline elimmm

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6532 on: February 22, 2018, 02:36:24 PM »
CCs were disabled immediately, checking and savings were given 30 days to withdraw all funds before closing.

manage to get points out??

Offline tzifanya54

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6533 on: February 22, 2018, 03:09:05 PM »
Dunno if this info will help. But ill put it out there.
I got  A/A. all personal CCs and checking and savings account we closed. my personal checking was joint with my wife. my business cc and my wife's personal CC not  affected. dont have a business checking.

CCs were disabled immediately, checking and savings were given 30 days to withdraw all funds before closing.
i went ahead and opened a new checking and savings accoutn for myself and my wife (separately) and they were all accepted .as of now the new accounts are in good standing. ill update if they get closed.

im curios which CCs ppl are getting instead of chase.
what triggered it?

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6534 on: February 22, 2018, 03:10:38 PM »


im curios which CCs ppl are getting instead of chase.

Really?
Ever heard of, Amex? Barclay? Citi? BoA? those are just some of the big ones.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline brumms56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6535 on: February 23, 2018, 01:40:29 PM »
I had 3 credit cards closed down by CHASE 2 days ago.

1. I completed the sign up bonus requirements, but statement didn't print. Will I still get the bonus?

2. Will chase refund me the annual fee as I only had the cards open for 2-3 months?

TIA
« Last Edit: February 23, 2018, 01:57:38 PM by brumms56 »

Offline PBaruch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6536 on: February 23, 2018, 01:49:36 PM »
Not sure about bonuses but when my cards were shut I received all points that were pending close of the next statement and I also received pro rated refund of af.
What do you do after your dreams come true?

Offline brumms56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6537 on: February 23, 2018, 01:58:16 PM »
Not sure about bonuses but when my cards were shut I received all points that were pending close of the next statement and I also received pro rated refund of af.

Thanks for the info

Offline hvaces42

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6538 on: February 24, 2018, 07:26:49 PM »
Was just shut don over weekend on Freedom and UMPE. Over Presidents day I deposited money in my checking account. Paid my bill and used card to buy GCs with ChasePay. Chase pay app was glitchy and didnt work first 2 times I called and they corrected issue and got third try to work. Then saw double pending charge for the GCs and I called to have the double pend reversed. They then states that they would review account and get back. Pending charge never came off and now they closed both my CCs. Dont even know where to begin.   
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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6539 on: February 24, 2018, 07:40:47 PM »


Was just shut don over weekend on Freedom and UMPE. Over Presidents day I deposited money in my checking account. Paid my bill and used card to buy GCs with ChasePay. Chase pay app was glitchy and didnt work first 2 times I called and they corrected issue and got third try to work. Then saw double pending charge for the GCs and I called to have the double pend reversed. They then states that they would review account and get back. Pending charge never came off and now they closed both my CCs. Dont even know where to begin.

Where to begin, is to call them up and ask them to "reinvestigate" the shutdown.
Is that your only cards with Chase, business and personal?
Can you try to think of what was the trigger?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch