Topic Wiki

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 1686908 times)

Offline HelpMe

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2011
  • Posts: 3427
  • Total likes: 40
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #320 on: March 07, 2012, 02:14:33 PM »
I wonder if one of the cards was an AARP card. Feb 28/29 was a bloodbath for this card.
Quick update. No AARP card involved so kill that idea.
"Elvis Has Left The Building"

Offline oldguy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1306
  • Total likes: 79
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
Re: Chase A/A Master Thread (Now With Poll)
« Reply #321 on: March 12, 2012, 02:02:42 PM »
i just saw that chase closed all my wifes and my credit cards when i called them they told me that i applied to many times for credit. i tried explaining to them that it was just swithovers to different cards meanwhile nothing doing. any ideas?

Offline Drago

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8388
  • Total likes: 74
  • DansDeals.com Hat Tips 18
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #322 on: March 13, 2012, 09:25:42 AM »
i just saw that chase closed all my wifes and my credit cards when i called them they told me that i applied to many times for credit. i tried explaining to them that it was just swithovers to different cards meanwhile nothing doing. any ideas?
Interesting... looks like the crack-down continues.

A few questions if you don't mind. It could help a lot of us.
Were your credit limits very high as a percentage of your income?
Did you apply for a lot of Chase cc's, or other cc's as well?
Do you mind sharing with us how many pulls you've had recently with the bureau that pulls Chase?

Offline HelpMe

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2011
  • Posts: 3427
  • Total likes: 40
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #323 on: March 13, 2012, 09:30:12 AM »
i just saw that chase closed all my wifes and my credit cards when i called them they told me that i applied to many times for credit. i tried explaining to them that it was just swithovers to different cards meanwhile nothing doing. any ideas?
Was one of the cards AARP?
"Elvis Has Left The Building"

Offline Drago

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8388
  • Total likes: 74
  • DansDeals.com Hat Tips 18
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #324 on: March 13, 2012, 11:19:39 AM »
Was one of the cards AARP?
I forgot that one :)

Offline oldguy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1306
  • Total likes: 79
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
Re: Chase A/A Master Thread (Now With Poll)
« Reply #325 on: March 13, 2012, 01:48:58 PM »
Interesting... looks like the crack-down continues.

A few questions if you don't mind. It could help a lot of us.
Were your credit limits very high as a percentage of your income?
my total credit limit was aprox. $90k and my Income is $65k my total credit limit at chase was $37.5k

Did you apply for a lot of Chase cc's, or other cc's as well?
Both i also downgraded a old td card i had with a fee with a 20k credit limit to a free card so they told me that they saw i got just in the last year 110k in new credit and they didn't understand (yet!!) that i dont even have 110k all together.

Do you mind sharing with us how many pulls you've had recently with the bureau that pulls Chase?
don't know exactly but too many
Was one of the cards AARP?
no

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25419
  • Total likes: 721
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Chase A/A Master Thread (Now With Poll)
« Reply #326 on: March 13, 2012, 04:53:49 PM »
my total credit limit was aprox. $90k and my Income is $65k my total credit limit at chase was $37.5k

And you wonder why you got shut down?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline JEWDA

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2011
  • Posts: 3614
  • Total likes: 7
  • DansDeals.com Hat Tips 75
    • View Profile
  • Programs: Dansdeals PRESIDENTIAL Platinum Elite, SPG Gold, Hyatt Diamond, HHonors Gold, Avis Presidents Club, King Fisher Silver, Hertz #1 Club President Circle Gold, SIXT Platinum, PC Platinum Elite
Re: Chase A/A Master Thread (Now With Poll)
« Reply #327 on: March 13, 2012, 06:11:32 PM »
And you wonder why you got shut down?
+100
Your Ad Can Be Here! PM For Lowest Rates.

Offline meshugener

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2012
  • Posts: 6887
  • Total likes: 62
  • DansDeals.com Hat Tips 4
  • Gender: Female
    • View Profile
  • Location: DDF
  • Programs: Amex Platinum, Chase Freedom 10X10 Exclusives, Avis Presidents Club, National Executive, Hertz 5 Star, Hilton Gold, Accor Platinum, Hyatt Platinum, Marriott Silver, SPG Gold, Club Carlson Gold
Re: Chase A/A Master Thread (Now With Poll)
« Reply #328 on: March 13, 2012, 06:19:11 PM »
Cuz of his high "total" CL, or cuz his "Chase" CL?
Love me or hate me. I still love you.

Offline Drago

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8388
  • Total likes: 74
  • DansDeals.com Hat Tips 18
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #329 on: March 13, 2012, 06:26:33 PM »
But I have a feeling that many of us have a total CL which is higher than our reported income. Often, it can happen by accident if you sign up for a bunch of cards.
If anyone wants to do an experiment and tell me what their total CL is as a percentage of their income, I'd be glad to be proven correct. :)

The bigger concern is if this is s/t that Chase plans on flagging and using as a reason to shut down all accounts, as opposed to simply denying new apps.

Until now, my understanding has always been that receiving higher CL's is always better, b/c it shows lower utilization, allows for haggling to open up a new account, etc. Perhaps this will change now...

Offline Avid Reader

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2008
  • Posts: 4002
  • Total likes: 13
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: NYC
  • Programs: Starwood Gold, Accor Gold, Hilton Gold, Hertz Five Star Gold, Marriott Silver, National Executive
Re: Chase A/A Master Thread (Now With Poll)
« Reply #330 on: March 13, 2012, 06:30:37 PM »
But I have a feeling that many of us have a total CL which is higher than our reported income. Often, it can happen by accident if you sign up for a bunch of cards.

Many of us active churners are in the same situation, including myself. But I don't believe that's the reason Chase shut me down. Once they shut me down, they used that as a reason, but I don't think for a second that that was the original reason for my accounts being flagged.

Offline scwam

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Mar 2011
  • Posts: 332
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: FL
Re: Chase A/A Master Thread (Now With Poll)
« Reply #331 on: March 13, 2012, 07:07:34 PM »

Until now, my understanding has always been that receiving higher CL's is always better, b/c it shows lower utilization, allows for haggling to open up a new account, etc. Perhaps this will change now...

It's never changed. It's always been like this. See my other post on this. It's just a matter of the enforcement the risk department. High CL's have the 1) utilization relationship and  2) income to (excesive) oustanding  credit relationship used by risk.

Each time you open a new line and your outstanding credit goes up to your reported income it changes the ratio somewhat. Same goes for account closures among cards.
« Last Edit: March 13, 2012, 07:11:28 PM by scwam »

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 30K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 30533
  • Total likes: 7831
  • DansDeals.com Hat Tips 79
    • View Profile
  • Location: NYC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #332 on: March 13, 2012, 07:19:50 PM »
It's never changed. It's always been like this. See my other post on this. It's just a matter of the enforcement the risk department. High CL's have the 1) utilization relationship and  2) income to (excesive) oustanding  credit relationship used by risk.

Each time you open a new line and your outstanding credit goes up to your reported income it changes the ratio somewhat. Same goes for account closures among cards.

Am I the only one who doesn't understand this post?
100% of Likes will be donated to support our brothers and sisters in Eretz Yisrael

Offline meshugener

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2012
  • Posts: 6887
  • Total likes: 62
  • DansDeals.com Hat Tips 4
  • Gender: Female
    • View Profile
  • Location: DDF
  • Programs: Amex Platinum, Chase Freedom 10X10 Exclusives, Avis Presidents Club, National Executive, Hertz 5 Star, Hilton Gold, Accor Platinum, Hyatt Platinum, Marriott Silver, SPG Gold, Club Carlson Gold
Re: Chase A/A Master Thread (Now With Poll)
« Reply #333 on: March 13, 2012, 08:37:28 PM »
Am I the only one who doesn't understand this post?
+1 I admire your courage...
Love me or hate me. I still love you.

Offline meshugener

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2012
  • Posts: 6887
  • Total likes: 62
  • DansDeals.com Hat Tips 4
  • Gender: Female
    • View Profile
  • Location: DDF
  • Programs: Amex Platinum, Chase Freedom 10X10 Exclusives, Avis Presidents Club, National Executive, Hertz 5 Star, Hilton Gold, Accor Platinum, Hyatt Platinum, Marriott Silver, SPG Gold, Club Carlson Gold
Re: Chase A/A Master Thread (Now With Poll)
« Reply #334 on: March 13, 2012, 08:40:13 PM »
i just saw that chase closed all my wifes and my credit cards when i called them they told me that i applied to many times for credit. i tried explaining to them that it was just swithovers to different cards meanwhile nothing doing. any ideas?
did they close your cards and your wife's cards at the same time?
Love me or hate me. I still love you.

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25419
  • Total likes: 721
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Chase A/A Master Thread (Now With Poll)
« Reply #335 on: March 13, 2012, 08:40:36 PM »
Am I the only one who doesn't understand this post?

I tried... and failed.

did they close your cards and your wife's cards at the same time?

His post implies that he will not have the answer to that question.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline meshugener

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2012
  • Posts: 6887
  • Total likes: 62
  • DansDeals.com Hat Tips 4
  • Gender: Female
    • View Profile
  • Location: DDF
  • Programs: Amex Platinum, Chase Freedom 10X10 Exclusives, Avis Presidents Club, National Executive, Hertz 5 Star, Hilton Gold, Accor Platinum, Hyatt Platinum, Marriott Silver, SPG Gold, Club Carlson Gold
Re: Chase A/A Master Thread (Now With Poll)
« Reply #336 on: March 13, 2012, 08:48:50 PM »
Would be easy to find out via PUTPAC. Aint it funny they destroyed a happy marriage at one shot?
Love me or hate me. I still love you.

Offline oldguy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1306
  • Total likes: 79
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
Re: Chase A/A Master Thread (Now With Poll)
« Reply #337 on: March 13, 2012, 10:50:41 PM »
did they close your cards and your wife's cards at the same time?
no my wifes a day before mine

Offline oldguy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1306
  • Total likes: 79
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
Re: Chase A/A Master Thread (Now With Poll)
« Reply #338 on: March 13, 2012, 10:53:20 PM »
And you wonder why you got shut down?
i got approved for new cards even after i went above my income so i didn't think i have to worry

Offline scwam

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Mar 2011
  • Posts: 332
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: FL
Re: Chase A/A Master Thread (Now With Poll)
« Reply #339 on: March 13, 2012, 11:05:30 PM »
Sorry everyone for not being clear. I was in a rush out the door.

My point is there seems to be some belief here that this sudden closure of accounts is a new phenomenon.
Risk closures have been around for years, but are entirely at the discretion of the lender to enforce such actions.
I'm actually surprised that we don't hear more of these stories with the appo-rama behavior in the last few years.
While having high credit lines seems great for your scores, behind the scenes the lender is looking at your
total available credit you have to (possibly) go bezerk with. This outstanding credit has a close relationship with the income
last reported. Ideally, if "outstanding credit" increases 50% in one year, the lender would want to see income increased as well.

Lenders consider what has been stated for the income on the last application. If the income is suddenly below their guidelines as a result of the 50% increase in outstanding credit, they may feel uneasy.... unless you apply with them on a new app and suddenly have a proportional (by whatever they deem proportional) increase with your newly reported income.

This goes for both accounts within the lender itself and outstanding credit they see recently granted by other lenders.
Now, it would seem to make sense that one lender would have less exposure and less risk if other lenders are granting the credit.
However, they are still looking at your income to outstanding credit ratio (regardless of who it comes from). So the income still becomes a limiting factor with regard to risk exposure (actually, more complex than that as it involves age of lines and other factors too). As lines go up, so should income. If not, then creditors start getting nervous, particularly with revolving and high usage accounts.
« Last Edit: March 13, 2012, 11:11:11 PM by scwam »