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 1686720 times)

Offline Abe100

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7080 on: February 10, 2019, 11:28:40 PM »
Chase shut all of my Wife's Credit accounts...

They left intact our joint checking, and my credit accounts.

Reason on letter was too many inquires, many request for credit, and not enough credit info on file.

Here is her history.

She had no credit cards till about 2 years ago, when she got a freedom card, but not even activated it...

In August she started using the freedom in order to build her credit and we applied for Slate and Sapphire, was approved for both. Also applied than for cards from other vendors (not chase) but wasn't approved.

After 2 weeks (and transferring my balances to her slate) chase called her to review and lowered her CL's.

She hasn't used freedom at all since, and was using sapphire for about 30% and paid the card in full every month.

In January, when there was the United special she applied and was approved with a 5K CL. While she was at it, we applied for a few more 0 APR cards and was approved for 1 citi card.

A week later, she logged on to pay sapphire and realizes all CC's are closed.

Forgot to mention that she is also an additional on my SPG (10 years old) with 10% utilization.

Called the number on back of card, was transferred to other dept. They said nothing can be done to open again.

Any advice???

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7081 on: February 10, 2019, 11:31:44 PM »
IMO it's a winnable one, first start with getting it reconsidered.

Plead your case to this # +18889562594
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline Abe100

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7082 on: February 10, 2019, 11:34:06 PM »
Thanks!

Anything specific to argue?

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7083 on: February 11, 2019, 12:04:10 AM »
Thanks!

Anything specific to argue?
try going against the reasons for shutdown, maybe the inquires were duplicates, got a car lease etc... Utilization thought it was a good thing yayda ydada
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline ludmila

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7084 on: February 11, 2019, 12:07:06 AM »
Thanks!

Anything specific to argue?
The balance transfer is what triggered it. These banks solicit you to transfer balances, later they decrease your credit lines, happened to my BIL with Discover, he had a $25000CL, transferred $15000 a month later they lowered CL to $15000, but in your case she applied for a few more cards with Chase and others in a short period, they saw it as a risky account.
Definitely try calling.Good luck.
I was the Best,still the Best, and will always be the Best.
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Offline Abe100

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7085 on: February 11, 2019, 12:12:02 AM »
Okay, got it.

Thanks for your help!

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7086 on: February 11, 2019, 03:01:44 AM »
3 cards in 6 months.
Getting another card just after have clearly been messing with the wrong side of Chase.
You aren't in good shape.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7087 on: February 20, 2019, 09:48:11 AM »
I have a cl of 5k and need to make a purchase of 5k, anyone knows if that can be an issue? Thanks

Offline Z56

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7088 on: February 20, 2019, 11:14:34 AM »
I have a cl of 5k and need to make a purchase of 5k, anyone knows if that can be an issue? Thanks

Yes can be a big issue
“I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work

Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7089 on: February 20, 2019, 11:18:51 AM »
Yes can be a big issue
So how can i do it,  even if i pay it right away?

Offline davidrotts63

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7090 on: February 20, 2019, 11:59:52 AM »
Call and let them know, you should be ok.
Don't pay and use again till the statement closes
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Joel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7091 on: February 20, 2019, 01:53:05 PM »
I have a cl of 5k and need to make a purchase of 5k, anyone knows if that can be an issue? Thanks
Use 2 cards.

Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7092 on: February 20, 2019, 01:56:56 PM »
Use 2 cards.
Can't as need to spend it on one card, only other thing can do is split payment

Offline Joel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7093 on: February 20, 2019, 09:19:07 PM »
Definitely better then 1 swipe.

Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7094 on: March 03, 2019, 11:57:51 PM »
Call and let them know, you should be ok.
Don't pay and use again till the statement closes
Is paying before statement closes an issue even if not reusing card? Thanks

Offline Yehuda25

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7095 on: March 04, 2019, 01:44:17 AM »
Is paying before statement closes an issue even if not reusing card? Thanks
nah
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7096 on: March 04, 2019, 07:24:16 PM »
Is it an issue paying my CC from an external account on a relatives name ie mother, sibling etc. but authorized to make the payment? Thanks

Offline Joel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7097 on: March 05, 2019, 12:48:35 AM »
Is it an issue paying my CC from an external account on a relatives name ie mother, sibling etc. but authorized to make the payment? Thanks
Very risky.

Offline mahnishma

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7098 on: March 05, 2019, 07:42:48 AM »
Very risky.
How about if its a bill pay payment from their account?

Offline Joel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7099 on: March 05, 2019, 08:46:37 AM »
How about if its a bill pay payment from their account?
Any unusual payment is risky.