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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 1686994 times)

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #440 on: March 19, 2012, 12:09:51 AM »
Adverse Action (AA) was around before DDF or FT.
That's nice.
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 #441 on: March 19, 2012, 09:43:57 PM »
LOOKING FOR ADVICE
STORY; i applied for chase card got declined bc of a charge off account i had with them 11 years ago. i called reco and after speaking to a supervisor he said that everything on cr looks gr8 but that one charge off is holding it up evan though that account was eventually paid in full it will forever show in the chase system  (eternal check) as unpaid. he said he will do a recon process and recomend that it gets approved but it will have to be revied by another sup in a dif dept. it got declined. rehearsed the whole thing , got declined the 3rd time the sup noted the account with a strong wording that it should be approved and then got approved.
BACKROUND; I did a aor that day a 2bm with chase per 1 biz, 2bm amex 2bm citi per, and 1 biz, i didnt check cr but thats a minimum of 6 pulls and (so far) 4 new accounts. afaik puls and new accounts are a/a flags. (kinda scared as it is, i do a lot of personal banking with chase and i cant afford to have my bank account closed)
QUESTION ; should i try to push thru another chase app either the biz or personal ?

Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #442 on: March 19, 2012, 10:02:04 PM »
so do we need to worry about chase closing accounts

Offline Side incomer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #443 on: March 19, 2012, 10:07:07 PM »
Since when is a chargeback a reason for a denial?
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Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #444 on: March 19, 2012, 10:22:39 PM »
got a letter from chase they lowered cl from 15k to 1k on opp and 5k to 1k on sp. i am not sure if i got close to  aa or this is somthing dif
 ( btw sp was lowered to 1k this can be dif than moving cl from one card to another)
a little nervous i have 5 ppl at same address with 200k ur


LOOKING FOR ADVICE
STORY; i applied for chase card got declined bc of a charge off account i had with them 11 years ago. i called reco and after speaking to a supervisor he said that everything on cr looks gr8 but that one charge off is holding it up evan though that account was eventually paid in full it will forever show in the chase system  (eternal check) as unpaid. he said he will do a recon process and recomend that it gets approved but it will have to be revied by another sup in a dif dept. it got declined. rehearsed the whole thing , got declined the 3rd time the sup noted the account with a strong wording that it should be approved and then got approved.
BACKROUND; I did a aor that day a 2bm with chase per 1 biz, 2bm amex 2bm citi per, and 1 biz, i didnt check cr but thats a minimum of 6 pulls and (so far) 4 new accounts. afaik puls and new accounts are a/a flags. (kinda scared as it is, i do a lot of personal banking with chase and i cant afford to have my bank account closed)
QUESTION ; should i try to push thru another chase app either the biz or personal ?

Okay. You've got me totally confused now... ???
They lowered your lines after a review and you think of pushing it further? :o.. Wouldn't suggest..

(unless you're just quoting another ones story in either of the above mentioned quotes..

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #445 on: March 19, 2012, 10:44:07 PM »
Since when is a chargeback a reason for a denial?
chargeoff

Okay. You've got me totally confused now... ???
They lowered your lines after a review and you think of pushing it further? :o.. Wouldn't suggest..

(unless you're just quoting another ones story in either of the above mentioned quotes..
lol. i do this for fam mebers, that i refer to as me. the two storys have no connection two dif ppl

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #446 on: March 19, 2012, 10:49:38 PM »
(kinda scared as it is, i do a lot of personal banking with chase and i cant afford to have my bank account closed)
dont think yor bank account are going to be touched i got all my cc closed and my bank account weren't touched.

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #447 on: March 19, 2012, 10:52:13 PM »
dont think yor bank account are going to be touched i got all my cc closed and my bank account weren't touched.
sorry to hear that. but many have posted that everything shut. did you have any brokerage or mortgages ect or just simple checkins and savings

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #448 on: March 19, 2012, 10:52:46 PM »
chargeofflol. i do this for fam mebers, that i refer to as me. the two storys have no connection two dif ppl

Gotch ya.. Thanks for clarifying!
My advise still remains the same though: Don't overdue.
One thing we know for sure is that the "excuse" they're using in most cases for shutting down accounts, "is too many recent inquiries and too many open accounts".
Now, whether or not this is the real reason is up for debate.. But why would one wanna make it easier for them to A/A you.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #449 on: March 19, 2012, 10:54:35 PM »
sorry to hear that. but many have posted that everything shut. did you have any brokerage or mortgages ect or just simple checkins and savings
your right i only had checking and savings.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #450 on: March 19, 2012, 11:01:55 PM »
Gotch ya.. Thanks for clarifying!
My advise still remains the same though: Don't overdue.
One thing we know for sure is that the "excuse" they're using in most cases for shutting down accounts, "is too many recent inquiries and too many open accounts".
Now, whether or not this is the real reason is up for debate.. But why would one wanna make it easier for them to A/A you.
ty

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #451 on: March 19, 2012, 11:02:19 PM »
helpme i could use additional advice (pun intended)
little ot: does b* stop soft pulls

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #452 on: March 19, 2012, 11:55:45 PM »
little ot: does b* stop soft pulls

Funniest thing I heard all day.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #453 on: March 20, 2012, 12:21:18 AM »
helpme i could use additional advice (pun intended)
little ot: does b* stop soft pulls
No. The purpose of B* is to flood your report with soft pulls so the hard inquires drop off.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #454 on: March 20, 2012, 09:33:30 AM »
Funniest thing I heard all day.

+1
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #455 on: March 20, 2012, 10:40:53 AM »
can any expert here post a list of what its causing  an A/A

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #456 on: March 20, 2012, 10:46:00 AM »
can any expert here post a list of what its causing  an A/A
+1  :)
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #457 on: March 20, 2012, 02:52:01 PM »
can any expert here post a list of what its causing  an A/A

What do you consider an expert?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #458 on: March 20, 2012, 03:20:27 PM »
What do you consider an expert?
A person with a high degree of skill in or knowledge of a certain subject.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #459 on: March 20, 2012, 03:39:12 PM »
What do you consider an expert?
8)