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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 1687539 times)

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #600 on: April 15, 2012, 08:36:55 PM »
Hard to say a definite 'yes'. Most of the A/A cases you can actually see both, so you don't know what's the real trigger. (take into account that they have a different view than you as what is considered credit risk).
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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #601 on: April 15, 2012, 08:47:59 PM »
Hard to say a definite 'yes'.
If you know what you are talking about it is easy to say “yes”. I can see how it would be a problem for you.  :)
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Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #602 on: April 15, 2012, 08:57:14 PM »
If you know what you are talking about it is easy to say “yes”. I can see how it would be a problem for you.  :)
You aren't waiting with bated breath for this?


 
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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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #603 on: April 15, 2012, 08:58:26 PM »
You aren't waiting with bated breath for this?
Only if I want a good laugh.  ;D
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Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #604 on: April 15, 2012, 09:17:58 PM »
Wow - what is that, 3, 4 DDF'ers in the last week or two?

To me, the biggest triggers seem to be:

1) a recent spate of inquiries/new accounts, and/or
2) a(n uncomfortably) disproportionate amount of Chase exposure relative to total credit outstanding.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #605 on: April 15, 2012, 09:30:42 PM »
2) a(n uncomfortably) disproportionate amount of Chase exposure relative to total credit outstanding.
This means high balance/credit line ratio?

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #606 on: April 15, 2012, 09:51:26 PM »
No, he meant to say Dan's theory of the day, that Chase is the one who trusts you with the biggest potion of your available credit.
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Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #607 on: April 15, 2012, 09:51:42 PM »
This means high balance/credit line ratio?

High % of Chase credit lines relative to total credit lines.

2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #608 on: April 15, 2012, 10:25:09 PM »

To me, the biggest triggers seem to be:

1) a recent spate of inquiries/new accounts, and/or
i did have a nice few inquiries in the past 12 months and that was one of the reasons they gave me. another reason was too many accounts opened in the last 12 months and i tried to explain that for every chase account opened 1 was closed so they told me they have no record of any cards closed in their system so i told them that i still have the cards if they want it still didnt help so i told them to check my credit report that there you see all the cards closed so they told me they don't look at it that way if i applied for new credit and got it even though i closed a card to get it approved to them its like i opened a new cc.
2) a(n uncomfortably) disproportionate amount of Chase exposure relative to total credit outstanding.
my chase CL was about 1/3 of my total CL

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #609 on: April 15, 2012, 10:27:58 PM »
@Joeb1/oldguy/Avid Reader/anyone else who had been A/A'd:
Does this sound like it could be the reason you guys were shut down? (Meaning prior to A/A had you closed down most cards from other issuers leaving all/most credit risk with chase?)
i didnt close any cards prior to getting A/A'd my only card closed was my united that i moved the CL to my mcw sp

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #610 on: April 15, 2012, 10:30:42 PM »
You aren't waiting with bated breath for this?
do you guys really think you'll be able to inflate my entire self-esteem in one shot?! You guys are so funny!
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Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #611 on: April 15, 2012, 10:34:52 PM »
I'm reading and reading and reading and reading and reading all over the world-wide-web about ppls stories with Chase A/A. All I can say its SOOO scary! But as general question, not going into specific details of the triggers, I would love to hear your opinion: is the flag-raising trigger credit risk or rewards abuse? That's the first question needed to be answered before digging more.
i did transfer UR point from alot of account into mine but out of the 5+ CSR/Credit analysts/executive office not 1 told me that as a reason for being A/A'd.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #612 on: April 15, 2012, 10:51:11 PM »
Quote
i did transfer UR point from alot of account into mine but out of the 5+ CSR/Credit analysts/executive office not 1 told me that as a reason for being A/A'd.

Did they compensate you for those points?

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #613 on: April 15, 2012, 11:01:43 PM »
Did they compensate you for those points?
Did they compensate you for those points?
i tried 5 times i even spoke to the executive office and they refused to give me 1cent/point

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #614 on: April 15, 2012, 11:46:31 PM »
i know personally 3 ppl that got shutdown for doing this (transferring UR points into their accounts) however tons of ppl do it w/o any trouble so ymmv
i did transfer UR point from alot of account into mine but out of the 5+ CSR/Credit analysts/executive office not 1 told me that as a reason for being A/A'd.
and mordy44's friend had people transfer alot of UR points into his acct. This is now a confirmed mega trigger. Now we need to figure out how much transferring causes the trigger.
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Offline bubbles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #615 on: April 15, 2012, 11:59:10 PM »
  and mordy44's friend had people transfer alot of UR points into his acct. This is now a confirmed mega trigger. Now we need to figure out how much transferring causes the trigger.

That's all it takes to confirm it by you?

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #616 on: April 16, 2012, 12:03:58 AM »
That's all it takes to confirm it by you?
yes.
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Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #617 on: April 16, 2012, 12:06:15 AM »
I still say that obtaining too much credit in a short period is a red flag. Additionally when considering what was reported as income comes into play, everything is examined even more closely. I know others will disagree. You've also got to make sure there is a nice balance with Chase not holding the majority of the available lines, especially if all those new apps are with chase. I think chase wants to see a gradual 1/1  X to Y graph line increase on available credit over time. I myself am a little worried as I've doubled my total CL's over the last month with 5 approved apps albeit only increased Chase's share of ~45% to ~55% now. I will slowly start moving out my UR points just in case. Also I'm debating weather to close out my BA card voluntarly vs applying for another card to transfer lines over.
« Last Edit: April 16, 2012, 12:09:33 AM by scwam »

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #618 on: April 16, 2012, 12:09:41 AM »
I still say that obtaining too much credit in a short period is a red flag. Additionally when considering what was reported as income comes into play, everything is examined even more closely. I know others will disagree. You've also got to make sure there is a nice balance with Chase not holding the majority of the available lines, especially if all those new apps are with chase. I think chase wants to see a gradual 1/1  X to Y graph line increase on available credit over time. I myself am a little worried as I've doubled my total CL's over the last month with 5 apporved apps. I will slowly start moving out my UR points just in case. Also I'm debating weather to close out my BA card voluntarly vs applying for another card to transfer lines over.
I hope i'm not annoying, in afriendly way, you always spell it weather like "what's the weather outside", in alot of your posts you do this, i've held out for a long time telling you this so forgive me please. Now everyone have fun correcting all my spelling mistakes which i'm sure there are many, I only have an 8th grade english education.
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Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #619 on: April 16, 2012, 12:10:50 AM »
Sorry, yeah, some words I am terrible with this. Is there a spell check embedded on this forum?