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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 1686693 times)

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6980 on: June 28, 2018, 08:13:45 PM »
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.
twice???
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6981 on: June 28, 2018, 08:17:09 PM »
twice???
Twice shutdown or twice reopened? I think the latter is the chiddush

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6982 on: June 28, 2018, 08:19:19 PM »
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.
A friend who is CPC had his CCs shut. His banker worked his a$$ off, no jokes to get it reopened. I can attest to it, he spent hours on it and still nothing doing.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline yitrap

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6983 on: June 28, 2018, 08:20:43 PM »
A friend who is CPC had his CCs shut. His banker worked his a$$ off, no jokes to get it reopened. I can attest to it, he spent hours on it and still nothing doing.
Same branch manager spent hours with my and got nothing done. We're both CPC - I definitely bring them more business

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6984 on: June 28, 2018, 09:25:06 PM »
So basically it's just them hucaing the lending department or whomever, no actual power in it.
“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 #6985 on: June 28, 2018, 09:25:50 PM »
So basically it's just them hucaing the lending department or whomever, no actual power in it.
It probably has more emphasis if it's a banker calling.
(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 #6986 on: June 28, 2018, 09:40:22 PM »
It probably has more emphasis if it's a banker calling.
yet to see a dp stati
It probably has more emphasis if it's a banker calling.
have you seen one datapoint back that up?
“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 #6987 on: June 28, 2018, 09:42:16 PM »
yet to see a dp stati have you seen one datapoint back that up?
No way to know. Accounts get reopened regardless, and some don't get reopened regardless.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline chilipalmer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6988 on: June 29, 2018, 02:39:19 PM »
I was/am CPC and got my deposit accounts closed - the ones that I had just opened and that qualified me for CPC.

But getting CPC got me a CSR, and I still have it, two years later.

When I called in yesterday to upgrade my Hyatt card, they answered with something like "JP Morgan Executive Line" or some garbage that implied I'm still CPC.

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6989 on: June 29, 2018, 05:01:11 PM »
I was/am CPC and got my deposit accounts closed - the ones that I had just opened and that qualified me for CPC.

But getting CPC got me a CSR, and I still have it, two years later.

When I called in yesterday to upgrade my Hyatt card, they answered with something like "JP Morgan Executive Line" or some garbage that implied I'm still CPC.
still in the system I'm sure
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline artee

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6990 on: July 03, 2018, 09:27:22 PM »
Got approved today for CIP w cl of 9k. Thank god!
on the app I put projected business income (30k) instead of current (0k) haven't been doing much w this business due to reg work requirements but looking to start it up again.

Already have a ink cash w 12k that I'm not using and I can close in a hot minute

concerned about A/A exposure bec I have nothing to back up business income.

Reported personal income of 115k is accurate though (can back it up w stubs).

I have an additional 43k in personal CL w them and 40 in cl at other banks + a new mortgage this year

Options:
1) call and correct info
2) close ink cash to lower risk
3) have a beer and stop worrying

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6991 on: July 03, 2018, 09:29:44 PM »
Got approved today for CIP w cl of 9k. Thank god!
on the app I put projected business income (30k) instead of current (0k) haven't been doing much w this business due to reg work requirements but looking to start it up again.

Already have a ink cash w 12k that I'm not using and I can close in a hot minute

concerned about A/A exposure bec I have nothing to back up business income.

Reported personal income of 115k is accurate though (can back it up w stubs).

I have an additional 43k in personal CL w them and 40 in cl at other banks + a new mortgage this year

Options:
1) call and correct info
2) close ink cash to lower risk
3) have a beer and stop worrying
Personal 2 cents: lower total CHASE CLs to just under 50% off SI
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline artee

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6992 on: July 03, 2018, 09:36:18 PM »
SI =?
Pardon the ignorance

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6993 on: July 03, 2018, 09:47:13 PM »
SI =?
Pardon the ignorance
Stated income
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Offline artee

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6994 on: July 03, 2018, 09:59:51 PM »
Cool, so I'll close the ink cash

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6995 on: July 03, 2018, 10:01:35 PM »
Cool, so I'll close the ink cash
Just my opinion. Maybe wait to hear form others.
(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 #6996 on: July 03, 2018, 11:13:00 PM »
I'm having doubts about my first step, should it be to call in for a second review? Or should it be to have my banker submit it?
“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 #6997 on: July 03, 2018, 11:13:44 PM »
I'm having doubts about my first step, should it be to call in for a second review? Or should it be to have my banker submit it?
Number 1.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Aps

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6998 on: July 06, 2018, 01:12:11 AM »
Is is bad if I have a check from my father made out directly to chase to pay a portion of my CC bill?

Is it bad 2 close and reopen a card every 2 years to be able to get the bonus?
How about referring my wife and then closing my account after shes approved?

Offline sams

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #6999 on: July 06, 2018, 02:58:23 AM »
 After six month safe to try reopening ?