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 1687087 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 #340 on: March 14, 2012, 01:34:45 AM »
Sorry everyone for not being clear. I was in a rush out the door.
Chase has not in the past closed accounts for excess CL’s. They would balance chase or lower your CL’s directly.

As for those that think total credit available greater than your stated income is a red flag have a lot to learn.
"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 #341 on: March 14, 2012, 01:57:15 AM »
Chase has not in the past closed accounts for excess CL’s. They would balance chase or lower your CL’s directly.

As for those that think total credit available greater than your stated income is a red flag have a lot to learn.
So what do you think their biggest flags are, besides for the AARP stuff?

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 #342 on: March 14, 2012, 02:30:28 AM »
So what do you think their biggest flags are, besides for the AARP stuff?
It is hard to figure out since it does not happen that often (excluding AARP). My guess would be outstanding debt and/or many new accounts opened.
"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 #343 on: March 14, 2012, 03:30:35 AM »
and/or many new accounts opened.

Accounts with them, or overall accounts?

Offline PETERP

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Oct 2011
  • Posts: 2924
  • Total likes: 5
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NYC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #344 on: March 14, 2012, 09:18:14 AM »
Chase has not in the past closed accounts for excess CL’s. They would balance chase or lower your CL’s directly.

As for those that think total credit available greater than your stated income is a red flag have a lot to learn.

+1. My total CL of all my cards is probably at least 2 times my annual income if I Include the Amex cards .Actually with the high Amex limits it might be as high as 3 X .
 I guess the length of credit really comes into play .

Online 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 #345 on: March 14, 2012, 09:35:41 AM »
Those that think lenders do not consider it a risk/red flag to have access to $100,000 in monthly credit with only $50,000 of stated annual income are incredibly naive.

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 AsherO

  • Global Moderator
  • Dansdeals Lifetime 30K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 30534
  • Total likes: 7831
  • DansDeals.com Hat Tips 79
    • View Profile
  • Location: NYC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #346 on: March 14, 2012, 09:37:40 AM »
Those that think lenders do not consider it a risk/red flag to have access to $100,000 in monthly credit with only $50,000 of stated annual income are incredibly naive.
Tread lightly, or grandpa will pull the age card on you :P
100% of Likes will be donated to support our brothers and sisters in Eretz Yisrael

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 #347 on: March 14, 2012, 09:44:04 AM »
Tread lightly, or grandpa will pull the age card on you :P

Ooh, feel the heat
:)

Online 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 #348 on: March 14, 2012, 09:46:11 AM »
Tread lightly, or grandpa will pull the age card on you :P



As Aldous Huxley said, "Experience teaches only the teachable."
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 AsherO

  • Global Moderator
  • Dansdeals Lifetime 30K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 30534
  • Total likes: 7831
  • DansDeals.com Hat Tips 79
    • View Profile
  • Location: NYC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #349 on: March 14, 2012, 10:40:24 AM »


As Aldous Huxley said, "Experience teaches only the teachable."

Well said. <3 the smiley.
100% of Likes will be donated to support our brothers and sisters in Eretz Yisrael

Online 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 #350 on: March 14, 2012, 10:42:14 AM »
Well said. <3 the smiley.

...and the fact that you quoted me means he will see what I wrote (though I am sure that fact was not lost on you) :P
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 AsherO

  • Global Moderator
  • Dansdeals Lifetime 30K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 30534
  • Total likes: 7831
  • DansDeals.com Hat Tips 79
    • View Profile
  • Location: NYC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #351 on: March 14, 2012, 10:43:08 AM »
...and the fact that you quoted me means he will see what I wrote (though I am sure that fact was not lost on you) :P

Loving it! Though he blocked my PMs, so I might be iggied by him as well.

ETA: Nah, he quoted me recently, so probably not.
100% of Likes will be donated to support our brothers and sisters in Eretz Yisrael

Online 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 #352 on: March 14, 2012, 10:55:33 AM »
Loving it! Though he blocked my PMs, so I might be iggied by him as well.

ETA: Nah, he quoted me recently, so probably not.

Uh oh... after he realizes you may quote me in the future, he's going to have to block you, too. But, wait, if he blocks you because you might quote me, doesn't that mean he'd have to block everyone else, too?
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 MLM

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2010
  • Posts: 1206
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
  • Programs: AA LT PLAT, UA LT PP, FPC LT PLAT, HH DIAMOND,
Re: Chase A/A Master Thread (Now With Poll)
« Reply #353 on: March 14, 2012, 11:00:58 AM »
Would it be worth calling them up to lower my CL? I have $58,000 of credit with them on 3 cards.

Continental Business 30k
United personal 10k
sapphire    18 k

Also would it be wise to transfer my UR points to an airline now?

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 #354 on: March 14, 2012, 11:04:13 AM »
+1. My total CL of all my cards is probably at least 2 times my annual income if I Include the Amex cards .Actually with the high Amex limits it might be as high as 3 X .
 I guess the length of credit really comes into play .
Almost everyone I deal with this is the case. Many have total CL’s 4-5X income. It seems for the kids just starting out this will not be the case.  :)
"Elvis Has Left The Building"

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 #355 on: March 14, 2012, 11:05:18 AM »
Would it be worth calling them up to lower my CL?
No!
"Elvis Has Left The Building"

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 30K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 30534
  • Total likes: 7831
  • DansDeals.com Hat Tips 79
    • View Profile
  • Location: NYC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #356 on: March 14, 2012, 11:05:27 AM »
It seems for the kids just starting out this will not be the case.  :)

Obligatory I told you so :D
100% of Likes will be donated to support our brothers and sisters in Eretz Yisrael

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 #357 on: March 14, 2012, 11:06:59 AM »


Also would it be wise to transfer my UR points to an airline now?
Are you particularly worried that they may shut you down? If yes, then transfer them out the sooner the better.

Online 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 #358 on: March 14, 2012, 11:07:45 AM »
Would it be worth calling them up to lower my CL? I have $58,000 of credit with them on 3 cards.

Continental Business 30k
United personal 10k
sapphire    18 k

Also would it be wise to transfer my UR points to an airline now?

How much was your stated annual income?

Also, even if it's considerably less than $58,000, I'm not suggesting that will cause an auto A/A. But I do believe it is a red flag. Whether or not your reduce your CLs or transfer out your points depends on your appetite for risk.
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 AsherO

  • Global Moderator
  • Dansdeals Lifetime 30K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 30534
  • Total likes: 7831
  • DansDeals.com Hat Tips 79
    • View Profile
  • Location: NYC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #359 on: March 14, 2012, 11:08:20 AM »
Would it be worth calling them up to lower my CL? I have $58,000 of credit with them on 3 cards.

Continental Business 30k
United personal 10k
sapphire    18 k

Apply again and report higher income :)

Are you particularly worried that they may shut you down?

Ostensibly that's what he's saying.

Also, even if it's considerably less than $58,000, I'm not suggesting that will cause an auto A/A. But I do believe it is a red flag.

Auto-A/A? I doubt Chase would automate that process, they probably all get flagged for review and reviewed by an analyst to decide on A/A.
100% of Likes will be donated to support our brothers and sisters in Eretz Yisrael