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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 1687098 times)

Online aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #540 on: April 04, 2012, 01:50:34 AM »
No! He already told you why it happened. He had a negative report on his CR and when that got cleared they reinstated him.
But it also seems that having a high credit line/income ratio is also a factor , as the rep earlier informed me that I should possibly close some cards/lower my cr line to limit exposure. Thats all he told me , it looked like he didn't want to go into further detail and just mentioned it as a side note. When I was asking him questions he said I could speak to a financial advisor at the branch for free. I wonder what they know...

Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #541 on: April 04, 2012, 07:53:46 AM »
But it also seems that having a high credit line/income ratio is also a factor , as the rep earlier informed me that I should possibly close some cards/lower my cr line to limit exposure. Thats all he told me , it looked like he didn't want to go into further detail and just mentioned it as a side note. When I was asking him questions he said I could speak to a financial advisor at the branch for free. I wonder what they know...
I assume that that is a factor as well but it had no bearing in his case. Plenty of people have large CL's compared to income and don't get shut down. It seems like there are a few criteria you need to meet to get shut down and no one knows what they are
Life isn't about checking the boxes. Nobody cares.

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #542 on: April 04, 2012, 10:08:58 AM »
I assume that that is a factor as well but it had no bearing in his case. Plenty of people have large CL's compared to income and don't get shut down. It seems like there are a few criteria you need to meet to get shut down and no one knows what they are
i think we all know what they are (you just have to add ymmv at the end of each cause just like amex fr)

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #543 on: April 04, 2012, 10:12:13 AM »
i think we all know what they are (you just have to add ymmv at the end of each cause just like amex fr)
With Amex like 95% likely that סוף גנב לתלויה. :(
With Chase it's 95% "not" likely that this will happen.

correct me on the numbers.
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Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #544 on: April 12, 2012, 12:29:42 AM »
Finally made some time to read this whole thread... did it in the course of 3 days..  :)
I just have two questions here:

1) Does transferring UR points in and out of one's account increase the chances of an A/A? Again, this question is solely about transferring UR in and out of UR.

2) When the checking account gets blocked as well I have read that Chase does sent an advance notice via a letter. What happens if somebody misses the deadline? What happens to the funds in the checking acct. do they get frozen for who knows how long?
If You See Something, Say Something!!

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #545 on: April 12, 2012, 12:33:06 AM »
Finally made some time to read this whole thread... did it in the course of 3 days..  :)
I just have two questions here:

1) Does transferring UR points in and out of one's account increase the chances of an A/A? Again, this question is solely about transferring UR in and out of UR.

2) When the checking account gets blocked as well I have read that Chase does sent an advance notice via a letter. What happens if somebody misses the deadline? What happens to the funds in the checking acct. do they get frozen for who knows how long?

i know personally 3 ppl that got shutdown for doing this however tons of ppl do it w/o any trouble so ymmv


Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #546 on: April 12, 2012, 12:45:05 AM »
i know personally 3 ppl that got shutdown for doing this however tons of ppl do it w/o any trouble so ymmv
How do you know for a fact that it was the reason?
If You See Something, Say Something!!

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #547 on: April 12, 2012, 12:50:03 AM »
they were told by chase

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #548 on: April 12, 2012, 12:54:15 AM »
they were told by chase
So I guess sometimes Chase does disclose the real reason for A/A..
If You See Something, Say Something!!

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #549 on: April 12, 2012, 09:44:04 AM »
@joeb1 whats the end of your story?
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Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #550 on: April 12, 2012, 11:12:49 AM »
@joeb1 whats the end of your story?
+1
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #551 on: April 15, 2012, 02:21:55 AM »
Bingo.

And now comes my round. They just closed down all my wife's credit cards, throughout this yom tov.

My background: haven't churned even one card; haven't done the 3bm (neither 2) ever; annual income is triple the total credit limit; no major spending, though decent spending; No amazon payments.

She had 4 open cards, additional 2 were closed during the year.

Only reason I think could have triggered: having recently opened the Sapphire MC, while closing down the Visa.

Advise would be appreciated.
Side income is the most solid income... בדוק ומנוסה

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #552 on: April 15, 2012, 02:28:17 AM »
Thats crazzy, gr8 news right after yom tov. Maybe they suspect churning ie closing one saphire to get another.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #553 on: April 15, 2012, 03:44:03 AM »
How many cards (all over, not with Chase particularly) did she open the las 12 months?
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #554 on: April 15, 2012, 06:28:43 AM »
wow, this is getting scary.
Your accounts may be next since I've seen reports of them closing down the spouse's account soon afterwards. May be worth transferring out any points you still have.

This is making me rethink my AOR I'm planning for tonight.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #555 on: April 15, 2012, 09:20:30 AM »
Another few questions.

1) Does it make sense to move over a bunch of my CL from my Chase personal to Chase biz card, so my overall CL appears lowers, and I can always move it back to a personal card later on? While this may not help the Chase CL to Income calc, it may help with the overall CL to Income calc.
2) I assume that charge cards, such as the AMEX Plat and PRG cards don't affect overall CL. Is this correct?
3) I have an Amex with a very high CL (around 25k) and I don't use the card at all. Is it worth proactively lowering it, or may this cause an F/R or s/t else?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #556 on: April 15, 2012, 09:51:09 AM »
How many cards (all over, not with Chase particularly) did she open the las 12 months?

This is a possible aa risk?

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #557 on: April 15, 2012, 09:54:59 AM »
I'm busy the last few weeks to set up a theory of the triggers of chase A/A and how to prevent it, I'm still not done with my analytical work, but I'll post once....
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #558 on: April 15, 2012, 10:01:16 AM »
How many cards (all over, not with Chase particularly) did she open the las 12 months?
Quite a few, though not outrages.
While this happened, she only had one additional card open with Citi, so a total of 5 active cards.

I don't seem to fall in any criteria mentioned in this thread.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #559 on: April 15, 2012, 10:11:57 AM »
If you would like to, please give me a exact breakdown of the cards she opened the past year and what date. Also, she had a balance on her card at the time they shut her down? If not, when did she paid the last 2 bills? (I'm not a IRS agent)
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