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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 1687364 times)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #380 on: March 14, 2012, 02:56:23 PM »
just saying you logic is a little faulty you don't have monthly credit line. You have a total credit line it is not time based if i have a5k cl i can't owe them more than 5k at any one time it may be that i pay it off every month so i can spend 5k every month but that does not mean i have a 5k a month cl

My logic is fine, but you're right about a CL not being time-based. I was just using that as a point of contrast. I guess I could have been clearer. Also, with charge cards and NPSL cards, you can in fact owe to the FI more than the allotted 5k.

The bottom line, however, is still the same: Having unfettered access to a credit line that (far) exceeds your annual stated income is not a good thing.
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #381 on: March 14, 2012, 03:31:07 PM »
I love how everyone is giving opinions on something that they know nothing about for certain.

We're trying to notice/assume patterns, so we can fly under Chase's radar.

At least we know much better than 99% of all Chase CSR and employees

+1

The fact that Chase's CSR told oldguy something about his wife's account is no proof to anything, since the CSR is (presumably) from the CS department* and won't know much about the shutdown (besides what's in the notes).

*) even if it was a credit analyst, they might be as clueless as we are about these shutdowns, if they don't work in the Chase department that's doing this.
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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #382 on: March 14, 2012, 03:45:19 PM »
We're trying to notice/assume patterns, so we can fly under Chase's radar.
…then you need to get outside of your controlled little world then. Try FWF or FT and post this nonsense about having total credit available greater than your stated income is a red flag. Where do you get this BS from?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #383 on: March 14, 2012, 03:46:50 PM »
…then you need to get outside of your controlled little world then. Try FWF or FT and post this nonsense about having total credit available greater than your stated income is a red flag. Where do you get this BS from?
Once again HelpMe promoting every site besides for DDF.....

Why do you come here at all?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #384 on: March 14, 2012, 03:48:12 PM »
…then you need to get outside of your controlled little world then. Try FWF or FT and post this nonsense about having total credit available greater than your stated income is a red flag. Where do you get this BS from?

U bee on sum boolsshit dawg! ::)

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #385 on: March 14, 2012, 03:50:25 PM »
Once again HelpMe promoting every site besides for DDF.....

Why do you come here at all?
I am not promoting any site. You want to look for a pattern it might be best to look at thousands of data points. Why don't you complain when someone else posts deals from those sites?
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #386 on: March 14, 2012, 03:50:35 PM »
…then you need to get outside of your controlled little world then. Try FWF or FT and post this nonsense about having total credit available greater than your stated income is a red flag. Where do you get this BS from?

1.  We've discussed this already, I read other forums (nd sources besides for forums) too.
2. Where did I say what you're calling nonsense.
3. Do you have alternative suggestions, or you just want to bash other peoples' hypotheses?
4. Using terms like nonsense and BS isn't following netiquette.
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Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #387 on: March 14, 2012, 03:53:13 PM »
I have in mind to creat a new thread in the JS board, named "slaming HelpMe", and whoever wants to engage with him in a provocative manner (as he does) but not related to credit card issues, should post it there. A big portion of threads in the Credit Card board are devoted for fights and nasty exchanges with HelpMe. Here is not the place for that.
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Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #388 on: March 14, 2012, 03:53:45 PM »
Hi All,
I'm sooooo scared :(.... and seriously need someone to calm me.







chill, no one here has any proof to what they are saying it's pure guess work, seriously - chill. we need much more info until we figure out what's going on here.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #389 on: March 14, 2012, 03:56:04 PM »
HELP ME

…"then you need to get outside of your controlled little world then. Try FWF or FT and post this nonsense about having total credit available greater than your stated income is a red flag. Where do you get this BS from?"

U HAVE SUCH A BIG MOUTH !!-- WHY NOT CLOSE IT AND GO TO THE "OTHER SITES" AND COME BACK WITH ALL THAT GREAT INFO U  BELEIVE WE CAN FIND

Offline Mocha

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #390 on: March 14, 2012, 04:00:50 PM »
HELP ME

…"then you need to get outside of your controlled little world then. Try FWF or FT and post this nonsense about having total credit available greater than your stated income is a red flag. Where do you get this BS from?"

U HAVE SUCH A BIG MOUTH !!-- WHY NOT CLOSE IT AND GO TO THE "OTHER SITES" AND COME BACK WITH ALL THAT GREAT INFO U  BELEIVE WE CAN FIND
Stop shouting! And not taking sides but HelpMe has a point in saying that if we really want to get to the bottom of this it would be wise to look at the bigger picture. It would paint a clearer picture versus strictly looking at the few individuals he that got AA'd.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #391 on: March 14, 2012, 04:01:56 PM »
We're trying to notice/assume patterns, so we can fly under Chase's radar.

+1, unless someone has direct access to the Chase department responsible for A/A, trial and error/guessing are the best tools we have... No one is suggesting to only look at DDF to get info on which to base these guesses.

Why do you come here at all?

+1 - it's a riddle I cannot crack.

U bee on sum boolsshit dawg! ::)

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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #392 on: March 14, 2012, 04:06:17 PM »
chill, no one here has any proof to what they are saying it's pure guess work, seriously - chill. we need much more info until we figure out what's going on here.
It is not guess work when there are thousands of data points out there. Many having been doing AOR’s for the past ten years. There has never been a pattern with Chase accounts being closed because your total CL’s exceed your stated income. No need for anyone to believe me. Take a little time and investigate for yourself.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #393 on: March 14, 2012, 04:10:07 PM »
Stop shouting! And not taking sides but HelpMe has a point in saying that if we really want to get to the bottom of this it would be wise to look at the bigger picture. It would paint a clearer picture versus strictly looking at the few individuals he that got AA'd.

O.K. send Help Me , let him come back after he has all the answers

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #394 on: March 14, 2012, 04:15:09 PM »
He said already, a lot of AORs
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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #395 on: March 14, 2012, 04:22:48 PM »
He said already, a lot of AORs
The point is it does not matter what my or any other single person’s experience is. You have to look at the “big picture” as a previous poster said. If another forum has many more data points than DDF that does not mean that someone is putting down DDF when they suggest to look there.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #396 on: March 14, 2012, 04:25:19 PM »
The risk models and scoring systems they use are probably so complex that I doubt even their own managers could explain if these two factors alone could cause closure. They probably have a system that does indeed look at dozens of data relationships that may even include merchant-type purchase behavior in a variance risk scoring system. Although no one would ever be able to prove a definitive link between having too much credit vs stated income, it still would seem to make more sense to consider it a factor than not. How would the issuer be at an advantage to not consider this relationship into their analysis? Banks probably have some of the most sophisticated protocols used next to terrorism analysis with the CIA.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #397 on: March 14, 2012, 04:37:05 PM »
The risk models and scoring systems they use are probably so complex that I doubt even their own managers could explain if these two factors alone could cause closure. They probably have a system that does indeed look at dozens of data relationships that may even include merchant-type purchase behavior in a variance risk scoring system. Although no one would ever be able to prove a definitive link between having too much credit vs stated income, it still would seem to make more sense to consider it a factor than not. How would the issuer be at an advantage to not consider this relationship into their analysis? Banks probably have some of the most sophisticated protocols used next to terrorism analysis with the CIA.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #398 on: March 14, 2012, 04:44:56 PM »
If it was just due to 3bms and total credit lines exceeding income I'd have been shut down many years ago already...
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #399 on: March 14, 2012, 04:51:17 PM »
If it was just due to 3bms and total credit lines exceeding income I'd have been shut down many years ago already...
I was wondering about that. Willing to share with us your estimated % of CL to income? No need to disclose either, the % would be interesting enough.