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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 1687500 times)

Offline a good yeshiva bachur

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7020 on: July 29, 2018, 12:11:34 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)
after getting AAED? Your trying to get back in? GOOD LUCK!!!! If you succeed I would love to join, as I'm also locked/blocked out...

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7021 on: July 29, 2018, 12:12:49 AM »
after getting AAED? Your trying to get back in? GOOD LUCK!!!! If you succeed I would love to join, as I'm also locked/blocked out...
I just had a family members accounts reopened after getting closed for high balances.
(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 #7022 on: July 30, 2018, 04:26:31 PM »
Looking for DPs.
Has anyone recently opened or applied for 2 chase cards in one day, or close proximity?
When?
What was the result?
Which cards?

I'll start, CIP and CIU in 1 day, early July. Neither approved with full (later reversed) A/A.
(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 #7023 on: July 30, 2018, 04:39:36 PM »
Looking for DPs.
Hyatt & Marriott Business same day. Hyatt instant and MB later after providing business info. This from a four time loser.  :)
I just found a new supply of forks!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7024 on: July 30, 2018, 04:44:08 PM »


Hyatt & Marriott Business same day. Hyatt instant and MB later after providing business info. This from a full time loser.  :)

:) :) :)
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline chinagel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7025 on: August 01, 2018, 12:01:03 PM »
Looking for DPs.
Has anyone recently opened or applied for 2 chase cards in one day, or close proximity?
When?
What was the result?
Which cards?

I'll start, CIP and CIU in 1 day, early July. Neither approved with full (later reversed) A/A.
got my A/A from requesting a recon of hyatt app. how did you get reversal?

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7026 on: August 01, 2018, 02:02:32 PM »
After A/A and dont have banking with chase can I pay my bill with 3rd party checks to chase and money orders to chase?

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7027 on: August 01, 2018, 02:59:08 PM »
After A/A and dont have banking with chase can I pay my bill with 3rd party checks to chase and money orders to chase?
What type of bill? If mortgage, yes.
I just found a new supply of forks!

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7028 on: August 01, 2018, 05:33:56 PM »
The credit card bill from before A/A thats now due...

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7029 on: August 01, 2018, 06:23:32 PM »
The credit card bill from before A/A thats now due...
There isn't anything they can do now so why not?
I just found a new supply of forks!

Offline Hamavin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7030 on: August 01, 2018, 06:47:01 PM »
k tx...

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7031 on: August 03, 2018, 12:57:46 PM »
did any one got luck by calling the executive dept. 1888-622-7547 and getting they cards reopen again or is it a waste of time ?

Offline igal6810

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7032 on: August 04, 2018, 10:00:14 PM »
My chase cards got shut down but still have 50k from my Chase business Ink that I have transfer out. Can I transfer it to my brothers chase business preferred account to get 1.25 points per point? He also lives in a different household than me. Will this jeopardize his chase account?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7033 on: August 04, 2018, 10:55:43 PM »
My chase cards got shut down but still have 50k from my Chase business Ink that I have transfer out. Can I transfer it to my brothers chase business preferred account to get 1.25 points per point? He also lives in a different household than me. Will this jeopardize his chase account?
no way to know definitively, but generally that's not how they link. 
“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 #7034 on: August 04, 2018, 10:56:39 PM »
did any one got luck by calling the executive dept. 1888-622-7547 and getting they cards reopen again or is it a waste of time ?
these days seems really depends on the type of shutdown, if you provide info as to what happened I can probably tell you if you have a shot or not.
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7035 on: August 04, 2018, 10:57:22 PM »
There isn't anything they can do now so why not?
correct, unless he hopes to try to cfpb, executive office prob better not to.
“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 #7036 on: August 05, 2018, 11:51:59 AM »
I just got the latter from chase and  it says reason for closing is unexpected activity you conducted on this or anther chase account.  Do i still have a chance or wasting time ?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7037 on: August 05, 2018, 12:51:05 PM »
I just got the latter from chase and  it says reason for closing is unexpected activity you conducted on this or anther chase account.  Do i still have a chance or wasting time ?
That one's a tricky one, usually not a huge shot, but might as well try.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7038 on: August 05, 2018, 12:53:58 PM »
That one's a tricky one, usually not a huge shot, but might as well try.
I have no idea what i did wrong ?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7039 on: August 05, 2018, 01:12:48 PM »
I have no idea what i did wrong ?
then definitely try.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle