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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 1687346 times)

Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #520 on: April 03, 2012, 01:07:29 AM »
Have you tried to PUTPAC CS?


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
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Offline AsherO

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Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #522 on: April 03, 2012, 01:17:49 AM »
Just a side note. The whole concept, that one member here keeps on saying, that they shut down bank accounts along with CC A/A, simply doesn't make any damn sense. #JustMy1cent
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #523 on: April 03, 2012, 02:15:36 AM »
;D

Don't laugh. I took another look at the FW thread, and I was quaking.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #524 on: April 03, 2012, 02:20:14 AM »
Yup, but the weird thing is that thousands of mileage nuts have been doing 2bms and 3bms today,
Specifically "today" or is that a form of speech? And if literal, why today?

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #525 on: April 03, 2012, 02:22:05 AM »
On the same note, the best use of UR is for UA (for me), is it worth transferring all my points to my account, as a preventive measure? Would be terribly sad to lose any points I have.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #526 on: April 03, 2012, 08:30:14 AM »
Rather sell them. (if youre not sure you gonna use them on inte'l business seat flights).
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Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #527 on: April 03, 2012, 09:03:06 AM »
Specifically "today" or is that a form of speech? And if literal, why today?
end of sp offer
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #528 on: April 03, 2012, 09:29:51 AM »
On the same note, the best use of UR is for UA (for me), is it worth transferring all my points to my account, as a preventive measure? Would be terribly sad to lose any points I have.
It would be smart to use/transfer any points the minute they post to any of your Chase cards. I only say this because you are actively using the AARP card. Better to be safe than sorry.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #529 on: April 03, 2012, 09:52:05 AM »
It would be smart to use/transfer any points the minute they post to any of your Chase cards. I only say this because you are actively using the AARP card. Better to be safe than sorry.

I transferred out my points, and my wife's as well.

With regards to selling them, I don't have enough to interest a broker, so I moved them to my own account. Perhaps I'll treat myself to a flight back from TLV on biz class someday, and make it all worthwhile.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #530 on: April 03, 2012, 10:36:38 PM »
The guy at Reconsideration told me that my total credit line too high for my income. He said I should consider closing some accounts to reduce exposure.My credit line is roughly more than 50% of my income. I'm a little worried...
Should I call to reduce my credit line?

Offline robi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #531 on: April 03, 2012, 11:01:45 PM »
I just went thru a chase closure.
The reason given was debt too high, which I figured out was due to being an AU.
Removed myself as AU, and bh was reopened today.
So not always are they lying to you, sometimes they are legitimately concerned, and are willing to work with you.
My two cents
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Offline Yellow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #532 on: April 03, 2012, 11:29:18 PM »
I just went thru a chase closure.
The reason given was debt too high, which I figured out was due to being an AU.
Removed myself as AU, and bh was reopened today.
So not always are they lying to you, sometimes they are legitimately concerned, and are willing to work with you.
My two cents
Do you remember which number you called to get your accounts reopened?
Also, have you churned chase cards?
« Last Edit: April 03, 2012, 11:56:21 PM by Yellow »

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #533 on: April 03, 2012, 11:46:06 PM »
I just went thru a chase closure.
The reason given was debt too high, which I figured out was due to being an AU.
Removed myself as AU, and bh was reopened today.
So not always are they lying to you, sometimes they are legitimately concerned, and are willing to work with you.
My two cents
nice peice of info. thats worth a lot more than two cents

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #534 on: April 03, 2012, 11:54:21 PM »
your credit line with chase was more than 50% or your cl from all your credit cards including other banks?

Offline robi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #535 on: April 03, 2012, 11:56:33 PM »
your credit line with chase was more than 50% or your cl from all your credit cards including other banks?
yes
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #536 on: April 04, 2012, 12:10:31 AM »

Offline robi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #537 on: April 04, 2012, 12:33:16 AM »
yes to witch one
my chase cl is more than 50% of my total cl
"I'd rather be hated for who I am, then loved for who I'm not"

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #538 on: April 04, 2012, 12:51:49 AM »
my chase cl is more than 50% of my total cl
This seems to be it...

Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #539 on: April 04, 2012, 01:40:02 AM »
This seems to be it...
No! He already told you why it happened. He had a negative report on his CR and when that got cleared they reinstated him.
Life isn't about checking the boxes. Nobody cares.