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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 1687329 times)

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #420 on: March 16, 2012, 03:47:11 AM »
A great example was during the AOR days. I had close to 400k in outstanding debt at 0% earning me 4-5%.

If only I had entered the game earlier in my life, I could've retired soon.

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #421 on: March 16, 2012, 01:02:56 PM »

Did you call and ask about the CL cuts? What did they say?

didnt call i dont see any reason too, it says it was cut bc of recenct card accounts an inq. not looking to put up a fight and maybe be further reviewed
There's a major difference between Chase A/A and Amex F/R (which is indicated by their respective names, action vs. review):

With Amex everyone who is F/R'd knows they are under F/R. With Chase, since they don't notify you unless they're actually taking adverse action, you don't even know if you're being reviewed. So theoretically many people are being reviewed (e.g. after AOR or even 3BM) and passing with flying colors.
are you explaining why ppl are knocking off alot of potential risk factors without definite proof
« Last Edit: March 16, 2012, 01:06:36 PM by dans fan »

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #422 on: March 16, 2012, 01:11:38 PM »
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.  :)


Great. On my next APPORAMA I will try to get that to 5x  ;D

Waiting for some lucrative offers.

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #423 on: March 16, 2012, 02:10:03 PM »
If it was just due to 3bms and total credit lines exceeding income I'd have been shut down many years ago already...


  Why would they shut down someone who brings them customers . They are willing to screen the customers you send them,  just like casinos will bar
the card counters when they catch them, or anyone else they deem undesireable .

  Not barring the Bus line that brings the players, or stopping the ads for gambling, You are in the sweet spot .

Offline Saver2000

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #424 on: March 16, 2012, 03:01:46 PM »

  Why would they shut down someone who brings them customers . They are willing to screen the customers you send them,  just like casinos will bar
the card counters when they catch them, or anyone else they deem undesireable .

  Not barring the Bus line that brings the players, or stopping the ads for gambling, You are in the sweet spot .

You think A/As and F/Rs are manually triggered ???
Even if they were, you think that in my credit file it says that I'm "CEO at DansDeals."  Those guys couldn't care less!

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #425 on: March 18, 2012, 11:30:13 AM »


You stopped reading one post too soon.
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 Saver2000

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #426 on: March 18, 2012, 11:46:23 AM »
You stopped reading one post too soon.
???

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Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #428 on: March 18, 2012, 01:30:57 PM »
A/A  ?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #429 on: March 18, 2012, 02:15:06 PM »
A/A  ?
Not sure what A/A is but AA = Adverse Action.
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Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #430 on: March 18, 2012, 02:29:58 PM »
Not sure what A/A is but AA = Adverse Action.
No offense to to anyone but I admire your courage Mr. HelpMe.
You simple answered a question on an acronym without attacking with phrases like this:
"read all the pages of the thread"

All the fellow DDF'ers are continually contributing a great deal of knowledge and Data Points at this crucial concerning issue but sometimes- unintentionally - it gets a lil nasty with attacks when people are asking simple questions...

Let's keep this great DDF Thread positive and helpful for everybody.
Unity is the only way we'll achieve our goal in gettkng clarification on this scary Adverse Action controversy.


Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #431 on: March 18, 2012, 06:53:32 PM »
AA on DD/FT is an airline...thus A/A is adverse action a la F/R.
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.

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #432 on: March 18, 2012, 07:11:56 PM »
This law group has already taken upon chase for changing thier credit card terms "although Chase states in their T&C that they can change terms and basically do whatever they deaire.

 I'm thinking of contacting them expressing our concerns

http://www.braunlawgroup.com/chase-bank-usa-n-a/

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #433 on: March 18, 2012, 07:40:39 PM »
The case actually started back in '08-'09 when the lower federal court dismissed the case upon Chase's motions.
The federal appellate court however, overturned the dismissal and gave the go ahead for the Barrers to proceed wit the case.

There are a lot of similarities with one of them being that Chase didn't properly notify the

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #434 on: March 18, 2012, 07:45:32 PM »
AA on DD/FT is an airline...thus A/A is adverse action a la F/R.
Adverse Action (AA) was around before DDF or FT. No offense meant to either forum.
"Elvis Has Left The Building"

Offline Mocha

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #435 on: March 18, 2012, 07:57:54 PM »
Adverse Action (AA) was around before DDF or FT. No offense meant to either forum.
Maybe so, but whats that gotta do with the way the forums generally refer to them? IMHO AA=American Airlines because that is referred to much more often than Adverse Action.

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #436 on: March 18, 2012, 08:13:41 PM »
Another crazy closure story (if true...)
Source: www.chase-sucks.org

I am a 60 year old disabled person. On March 13, 2012, i opened a checking account online at http://www.chase.com because I can not drive. I had my daughter to deposit all of my $9,100.00+ disability check at the local branch, which chase accepted with a standard smile. Next day I wanted to pay a bill, but my account was blocked. I called chase at 1-877-691-8086 and they said I had to come to the branch. On March 14, 2012 my daughter took time off work to drive me to the branch at 1380 W Capitol Ave, West Sacramento, CA 95691, 916-373-9357. At the branch I had my passport, CA id, social security card etc. The branch manager said that all of those documents are not enough, and that I have to go to the social security office and get a letter from them that the social security number on my ss card is really my number; and then MAYBE CHASE will be able to unlock the account. The manager said that CHASE CAN NOT RETURN me my checks either. So, CHASE STOLE MY MONEY, I HAVE NO MONEY TO SPEND OR PAY BILLS WITH! I COULD NOT SLEEP ALL NIGHT LONG! I do not have anyone to drive me now to the social security office and wait for me half a day and then drive to CHASE to just get MY money back from CHASE. Opening a simple checking account should not be such a disaster!

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #437 on: March 18, 2012, 08:41:12 PM »
This article might shed some light on the Chase A/A scheme..
Among other things, they're tracking your individual transactions pattern to conclude how responsible you may or may not be..

http://banking.about.com/b/2009/07/14/watch-your-chase-credit-cards.htm

http://banking.about.com/b/2009/07/10/does-your-bank-know-who-you-are.htm

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #438 on: March 18, 2012, 08:58:57 PM »
The story of that disabled chase-sucker is, or, not true, or is he missing something of the story and he's not prividing the full story.
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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #439 on: March 18, 2012, 09:27:10 PM »
The story of that disabled chase-sucker is, or, not true, or is he missing something of the story and he's not prividing the full story.
You have to be careful of sites that are just set up to complain. I would put more weight on posts made on forums.
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