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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 1687324 times)

Offline Side incomer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #500 on: April 02, 2012, 10:12:07 PM »
My credit line is not even crazy high with chase.
And I believe you also have a checking account with them. Right?

Did this affect other people associated with you (family member, etc..)?

Believe me, you really got all of us scared here.
Side income is the most solid income... בדוק ומנוסה

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #501 on: April 02, 2012, 10:30:41 PM »
Bh did not effect my bank account or family members
i was on the phone for hours today with NO clear explanation whats going on just bits and pieces and a promise that a letter will come with an explanation.
One rep said I may have abused the system. not sure what she meant

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #502 on: April 02, 2012, 10:31:39 PM »
Bh did not effect my bank account or family members
i was on the phone for hours today with NO clear explanation whats going on just bits and pieces and a promise that a letter will come with an explanation.
One rep said I may have abused the system. not sure what she meant

Yep, you definitely got A/A'd. Sorry, man,

As Dan said, appeal to executive office. That's your only hope.
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Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #503 on: April 02, 2012, 10:34:14 PM »
Yep, you definitely got A/A'd. Sorry, man,

As Dan said, appeal to executive office. That's your only hope.
did the person you know come out alive?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #504 on: April 02, 2012, 10:35:21 PM »
did the person you know come out alive?

My brother. Nope  :'(

All he managed to do was get a check for his remaining UR balance at 1cpm, and even that was technically a favor.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #505 on: April 02, 2012, 10:38:36 PM »
The only thing I can think of is the 2 BM

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #506 on: April 02, 2012, 10:41:05 PM »
The only thing I can think of is the 2 BM
Yup, but the weird thing is that thousands of mileage nuts have been doing 2bms and 3bms today, and just the odd case here and there report this happening to them, so there must be something else (on top of the 2bm) triggering it that we're missing.
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 aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #507 on: April 02, 2012, 11:00:44 PM »
Do you think doing two 3 BMS a month apart will trigger? how far apart should they be

Also @joeb1 did you apply for a freedom before?

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #508 on: April 02, 2012, 11:02:42 PM »
So our Q today should be like that: anyone of us know a case of which was AAed and NO 2/3BM associated? (even though you could see 99% of 3BMers were not shut down, its a possibility they manually look up for these stuff and the unlucky got burned) anyone?
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #509 on: April 02, 2012, 11:19:44 PM »
So our Q today should be like that: anyone of us know a case of which was AAed and NO 2/3BM associated? (even though you could see 99% of 3BMers were not shut down, its a possibility they manually look up for these stuff and the unlucky got burned) anyone?
Yes, there are tons of such cases.  AARP abuse being the leading cause of A/A.
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 dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #510 on: April 02, 2012, 11:31:57 PM »
so there must be something else (on top of the 2bm) triggering it that we're missing.
do you think its 2bm + something  or 2bm + anything

Offline Yellow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #511 on: April 02, 2012, 11:36:54 PM »
So our Q today should be like that: anyone of us know a case of which was AAed and NO 2/3BM associated? (even though you could see 99% of 3BMers were not shut down, its a possibility they manually look up for these stuff and the unlucky got burned) anyone?
When i got AA'd about a year ago I had not done any 2/3BM's
Granted, i was starting the whole churning thing so I had many new accounts opened with various issuers (Which was the official reason they shut me down), but no 2/3BM's

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #512 on: April 02, 2012, 11:38:09 PM »
so u did not get out of it?


im curious how myb121 managed to get out of it and who he spoke to at chase.

Offline Yellow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #513 on: April 02, 2012, 11:42:03 PM »
so u did not get out of it?


im curious how myb121 managed to get out of it and who he spoke to at chase.
Actually BH I did get my cards reopened (and have opened new ones since)
I know I called someone but I don't remember exactly which dept it was. Took two calls and then they reopened them. The reason they stated for shutting me down was "too many new accounts opened" so I explained to them that I am not a credit risk, only opened them up for the CC bonus's, didn't realize that this looked troubling to a bank etc. etc.

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #514 on: April 02, 2012, 11:47:56 PM »
so u did not get out of it?


im curious how myb821 managed to get out of it and who he spoke to at chase.
first of all FTFY second i just sent you a pm

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #515 on: April 02, 2012, 11:50:31 PM »
i did not get any pm sorry
really cause it shows in my sent box wtvr just sent it again

Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #516 on: April 02, 2012, 11:53:02 PM »
@joeb1 my heart goes out for you, I really hope it gets straightened out for you.

that being said, I wonder if this had to do with anything
just got accepted fpr the SP!!! (on the third try!) along with a freedon 2BM!

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #517 on: April 02, 2012, 11:54:34 PM »
@joeb1 my heart goes out for you, I really hope it gets straightened out for you.

that being said, I wonder if this had to do with anything


not my third time getting the card....third time trying to get the card...i tried unsucessfully 2xs in the last year or so and finally got accepted yesterday only to get shut down today

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #518 on: April 02, 2012, 11:56:19 PM »

not my third time getting the card....third time trying to get the card...i tried unsucessfully 2xs in the last year or so and finally got accepted yesterday only to get shut down today

Do you have a long credit history?

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #519 on: April 03, 2012, 01:00:22 AM »
BREAKING NEWS:
I had 3 cards (BA,OP,PC)and one business card (IB)
I just logged in and it says all my cc's are closed. I had just done a 2BM for freedom and SP.
Any advice would be great! Thank you.

Have you tried to PUTPAC CS?
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