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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 1686871 times)

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6760 on: April 19, 2018, 11:51:30 PM »
Try to claim to the AG that they violated the ECOA.
@ChaimMoskowitz will tell us if there is a shot
In NJ the number is +16092924925
They gave a reason so they are covered.
I just found a new supply of forks!

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6761 on: April 20, 2018, 12:18:19 AM »
They gave a reason so they are covered.
really? wow... :(

My friend got shutdown by chase, after CFPB all chase said was that they closed the accounts due to "unexpected activity" does that count as a reason??
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6762 on: April 20, 2018, 12:24:12 AM »
really? wow... :(

My friend got shutdown by chase, after CFPB all chase said was that they closed the accounts due to "unexpected activity" does that count as a reason??
What did the original letter say? Creditboards would know better if it is a valid reason.
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6763 on: April 20, 2018, 12:26:13 AM »
What did the original letter say? Creditboards would know better if it is a valid reason.
IINM its not such a clear law. It implies any reason (that doesn't violate the law) is enough.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6764 on: April 20, 2018, 12:52:43 PM »
I think its time to stop using chase cards since u never know when u will get Shout down .

Offline hvaces42

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6765 on: April 20, 2018, 12:57:09 PM »
Chase closed 4 cards 2 UMPE, 1 CSP and 1 Freedom. Refuses to refund the 3 Annual fees because it is beyond 30 days from posting.
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Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6766 on: April 20, 2018, 01:01:25 PM »
I think its time to stop using chase cards since u never know when u will get Shout down .
Shut me down. I don't care.  :)
I just found a new supply of forks!

Offline as2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6767 on: April 20, 2018, 03:18:55 PM »
I think its time to stop using chase cards since u never know when u will get Shout down .
+1. Between them making sapphires one product, SW one product, and them being overly trigger happy with shutdowns, I'm hesitant to use them. Not to mention 5/24
Memories last forever, make them while you can.

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6768 on: April 20, 2018, 03:28:19 PM »
We need to review your request a little longer. We will let you know of our decision by U.S. mail. This could take up to 30 days.

Thank you for choosing Marriott Rewards® Premier Business Credit Card.
Dear CM,
You are approved with a CL of 5k. Hope you meet spend and receive your SUB bonus before we shut you down again. Please don't take this personally.
Sincerely,
Chase
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6769 on: April 20, 2018, 03:30:57 PM »
Dear CM,
You are approved with a CL of 5k. Hope you meet spend and receive your SUB bonus before we shut you down again. Please don't take this personally.
Sincerely,
Chase

Funny, my mother just got:

Dear *****,
We just approved you for another 6.5k..............sike we closed all your cards
Sincerely,
Chase
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline hvaces42

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6770 on: April 20, 2018, 03:42:01 PM »
Funny, my mother just got:

Dear *****,
We just approved you for another 6.5k..............sike we closed all your cards
Sincerely,
Chase
Got email ypur new card is in the mail. It was. After they closed accounts.
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Offline as2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6771 on: April 20, 2018, 03:56:27 PM »
Got email ypur new card is in the mail. It was. After they closed accounts.
Shredder food incoming
Memories last forever, make them while you can.

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6772 on: April 20, 2018, 04:20:44 PM »
What did the original letter say? Creditboards would know better if it is a valid reason.
original letter didn't state a reason, he had to go through CFPB just to get this "reason".
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6773 on: April 20, 2018, 04:22:53 PM »


Creditboards would know better if it is a valid reason.

Done
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Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6774 on: April 20, 2018, 04:51:20 PM »
original letter didn't state a reason...
That is a violation.
I just found a new supply of forks!

Offline Tumbler

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6775 on: April 21, 2018, 08:35:07 AM »
Chase closed 4 cards 2 UMPE, 1 CSP and 1 Freedom. Refuses to refund the 3 Annual fees because it is beyond 30 days from posting.

30 days from putting the fees on the cards? I paid the $450 CSR annual fee and was wondering if I could get some of that back.

Offline hvaces42

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6776 on: April 21, 2018, 10:18:22 PM »
30 days from putting the fees on the cards? I paid the $450 CSR annual fee and was wondering if I could get some of that back.
Good luck
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Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6777 on: April 22, 2018, 10:19:30 AM »
Would a check from me for my mother's account(, or vice versa etc) Be considered a third party check, or family members is OK?
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Offline shapsam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6778 on: April 22, 2018, 10:20:47 AM »
Would a check from me for my mother's account(, or vice versa etc) Be considered a third party check, or family members is OK?
Same as non family, but it might be harder to catch.

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6779 on: April 22, 2018, 10:22:03 AM »
Same as non family, but it might be harder to catch.
Are you sure? How about spouse?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch