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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 1686851 times)

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6960 on: June 27, 2018, 06:53:19 PM »
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6961 on: June 28, 2018, 10:29:31 AM »
how long does it take for a shutdown letter to arrive? From the date of shutdown...

Also,

Is there a way to know if one's bank accounts were closed without calling? (or no because they usually give 30 days)



TIA!
My Brother in Law received a letter on June 24 that his accounts are closed on July 7th. He tried speaking to them and nothing helped. My letter came on June 20th, defintley taking 2 to 3 weeks.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6962 on: June 28, 2018, 10:33:35 AM »
My Brother in Law received a letter on June 24 that his accounts are closed on July 7th. He tried speaking to them and nothing helped. My letter came on June 20th, defintley taking 2 to 3 weeks.
A family member got theirs much quicker.

Offline rileywiles23

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6963 on: June 28, 2018, 10:41:02 AM »
Understanding the banker's pay structure can work you wonders.
Why don't you get off your high horse, and enlighten us all ?

You'll actually be helping people for the future
Life is as good as you make it...

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6964 on: June 28, 2018, 11:20:31 AM »
Why don't you get off your high horse, and enlighten us all ?

You'll actually be helping people for the future
WOW I can't believe that it took so long for the first bite!

It is not a simple thing since everyone would need to tailor it to their situation. It is also something which by definition becomes more difficult when more people do it since only one person can be a banker's most profitable client and there are only ten of the ten highest producers etc. Don't expect circles and arrows.
Feelings don't care about your facts

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6965 on: June 28, 2018, 11:48:55 AM »
WOW I can't believe that it took so long for the first bite!

It is not a simple thing since everyone would need to tailor it to their situation. It is also something which by definition becomes more difficult when more people do it since only one person can be a banker's most profitable client and there are only ten of the ten highest producers etc. Don't expect circles and arrows.
you are insinuating that any banker actually has a say in this.... I have not yet seen one DP that shows this to be true...
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6966 on: June 28, 2018, 11:58:03 AM »
you are insinuating that any banker actually has a say in this.... I have not yet seen one DP that shows this to be true...
How many DPs have you seen of bankers really going all out and more so when they are their highest producers?
Feelings don't care about your facts

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6967 on: June 28, 2018, 12:38:49 PM »
How many DPs have you seen of bankers really going all out and more so when they are their highest producers?
I was bringing a large sum with me to a local branch and they guy did a lot of talking. He was able to do a big ZERO!!! I have other data points of the exact same thing.
I just found a new supply of forks!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6968 on: June 28, 2018, 12:43:46 PM »
I was bringing a large sum with me to a local branch and they guy did a lot of talking. He was able to do a big ZERO!!! I have other data points of the exact same thing.
I am sure there are. I can tell you that I have seen them getting things done. I am sure that who does the fighting for you makes a big difference too. Also keep in mind that how they calculate the profitability of a customer is likely based on similar metrics as how they pay.
It will not vaccinate from all disease but it can help a lot.
Feelings don't care about your facts

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6969 on: June 28, 2018, 12:47:42 PM »
It will not vaccinate from all disease but it can help a lot.
More like the exception and not the rule. AKA: Luck!
I just found a new supply of forks!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6970 on: June 28, 2018, 12:50:51 PM »
More like the exception and not the rule. AKA: Luck!
I don't push the limits.
Feelings don't care about your facts

Offline Yitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6971 on: June 28, 2018, 02:30:34 PM »
How many DPs have you seen of bankers really going all out and more so when they are their highest producers?
I mentioned this before I know a banker that tried helping and he got a reprimand via a letter to stop mixing in.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6972 on: June 28, 2018, 02:35:43 PM »
I mentioned this before I know a banker that tried helping and he got a reprimand via a letter to stop mixing in.
That can depend on who the banker is and how much work he is willing to do.
Feelings don't care about your facts

Offline Yitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6973 on: June 28, 2018, 02:39:16 PM »
That can depend on who the banker is and how much work he is willing to do.
I am CPC and our banker called to see if he could help. The person on the phone said they will only speak to the customer.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6974 on: June 28, 2018, 02:40:53 PM »
I am CPC and our banker called to see if he could help. The person on the phone said they will only speak to the customer.
Lame and lame. Here on DDF we know that CPC does not mean much.
Listen i don't gain anything one way or the other. In fact it is better for me for you to ignore this. Take it or leave it.

Feelings don't care about your facts

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6975 on: June 28, 2018, 02:41:49 PM »
Any JPMPC get an AA?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline rileywiles23

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6976 on: June 28, 2018, 04:18:44 PM »
I am sure there are. I can tell you that I have seen them getting things done. I am sure that who does the fighting for you makes a big difference too. Also keep in mind that how they calculate the profitability of a customer is likely based on similar metrics as how they pay.
It will not vaccinate from all disease but it can help a lot.
So you know of a DP of where a banker was able to reverses an A/A, or is this all pure speculation?
Life is as good as you make it...

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6977 on: June 28, 2018, 07:59:01 PM »
So you know of a DP of where a banker was able to reverses an A/A, or is this all pure speculation?
I know of one where the banker was proactively involved when they began looking at the account. Part of the point is to not get there in the first palce.
Feelings don't care about your facts

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6978 on: June 28, 2018, 08:08:56 PM »
So you know of a DP of where a banker was able to reverses an A/A, or is this all pure speculation?
Yes, branch manager got my FIL reopened twice. I don't think he did more then just have them take a second look at his accounts though.

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6979 on: June 28, 2018, 08:13:33 PM »
I know of one where the banker was proactively involved when they began looking at the account. Part of the point is to not get there in the first palce.
what would be the purpose to have them proactively involved?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle