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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 1686767 times)

Offline Aps

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7000 on: July 06, 2018, 01:44:35 PM »
After six month safe to try reopening ?
Were you answering my question or are you also asking?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7001 on: July 10, 2018, 01:19:19 PM »
just started the long uphill battle of fighting chase, can't even get the phone reps to submit a review.

Hopefully this will end in a large lucrative class action lawsuit.
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline GAM Z.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7002 on: July 10, 2018, 01:57:24 PM »
just started the long uphill battle of fighting chase, can't even get the phone reps to submit a review.

Hopefully this will end in a large lucrative class action lawsuit.
Good luck!

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7003 on: July 10, 2018, 03:15:59 PM »
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7004 on: July 11, 2018, 01:51:28 AM »
Has anyone actually had a chase rep submit a review recently (to reopen) ? Seems like there is no such thing anymore (not without executive office/CFPB)
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline Yehuda25

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Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7006 on: July 24, 2018, 06:40:20 PM »
Ouch. Tried to open a a new bank account today, denied - ChexSystems.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7007 on: July 24, 2018, 07:13:32 PM »
I requested a copy of my chexsystems but says takes 5 biz days in the mail.

Anyone know if I can try open a biz checking account?
“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 #7008 on: July 24, 2018, 07:34:49 PM »
I requested a copy of my chexsystems but says takes 5 biz days in the mail.

Anyone know if I can try open a biz checking account?
Look on Doctor Of Credit for which banks don't pull chexsystems
(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 #7009 on: July 24, 2018, 08:01:33 PM »
Look on Doctor Of Credit for which banks don't pull chexsystems
Issue is I have one bank that for a few reasons I really want a biz account with (m&t)...

Is anyone familiar?

Also i'm wondering if I got denied because I tried to get a personal and biz checking at the same time (waived all fees) maybe just biz would be ok...

Anyone know?

@ChaimMoskowitz ?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7010 on: July 25, 2018, 03:02:54 AM »
Ouch. Tried to open a a new bank account today, denied - ChexSystems.
Interesting - Per FT chase usually does not leave a negative remark after them "ending the relationship" and closing a checking/savings account. I guess I"ll know definitively when the report arrives in the mail. 
“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 #7011 on: July 25, 2018, 03:16:18 PM »
Issue is I have one bank that for a few reasons I really want a biz account with (m&t)...

Is anyone familiar?

Also i'm wondering if I got denied because I tried to get a personal and biz checking at the same time (waived all fees) maybe just biz would be ok...

Anyone know?

@ChaimMoskowitz ?
Have a M&T business CC for a long time. Hammered it when it had a promo. That's all I know about it.
I just found a new supply of forks!

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7012 on: July 25, 2018, 03:31:30 PM »
Have a M&T business CC for a long time. Hammered it when it had a promo. That's all I know about it.
ok thanks
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7013 on: July 27, 2018, 11:26:41 AM »
chase just closed all of my accounts and the 3 other who I have on my address what does this mean ?

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7014 on: July 27, 2018, 11:41:44 AM »
chase just closed all of my accounts and the 3 other who I have on my address what does this mean ?
They closed all accounts at the same address?
I just found a new supply of forks!

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7015 on: July 27, 2018, 12:03:12 PM »
They closed all accounts at the same address?

yes I have a few people charging by the same place and all of them gets paid from the same bank account so I am not sure if they put it together by all the people charging by the same place or because we are paying form the same bank account . all of them have a 750 score and up no points sold and never paid from a 3rd party account so I am pretty chocked why this happened ?

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7016 on: July 27, 2018, 12:16:14 PM »
yes I have a few people charging by the same place and all of them gets paid from the same bank account so I am not sure if they put it together by all the people charging by the same place or because we are paying form the same bank account . all of them have a 750 score and up no points sold and never paid from a 3rd party account so I am pretty chocked why this happened ?
If three people are paying from the same bank account, at least two of them will be third party...
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Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7017 on: July 27, 2018, 12:18:30 PM »
If three people are paying from the same bank account, at least two of them will be third party...

its a business account ?

Offline mmgfarb

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7018 on: July 27, 2018, 12:20:03 PM »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7019 on: July 27, 2018, 01:07:34 PM »
r they all stuck for life with chase ?