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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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.5%)
No (Bli Ayin Horah)
431 (73.3%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
63 (10.7%)

Total Members Voted: 586

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1035804 times)

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #645 on: April 17, 2012, 12:56:49 PM »
my mistake, 2 cards, 1 Hyatt and 1 Sapphire

Offline Side incomer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #646 on: April 17, 2012, 01:01:10 PM »
my mistake, 2 cards, 1 Hyatt and 1 Sapphire
Any Business cards? internal UR transfers? high spending? big CL?
Side income is the most solid income... בדוק ומנוסה

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #647 on: April 17, 2012, 01:06:40 PM »
No to all except made an internal UR Transfer almost 2 months ago

Offline Side incomer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #648 on: April 17, 2012, 01:09:59 PM »
No to all except made an internal UR Transfer almost 2 months ago
1 transfer?

Also, any Amazon payments? paypal?
Side income is the most solid income... בדוק ומנוסה

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #649 on: April 17, 2012, 01:13:51 PM »
it was 1 big internal transfer and if it was bec. of that, wouldnt they have closed it right away.  Have not used any amazon pymts in months for any of those cards.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #650 on: April 17, 2012, 01:19:45 PM »
No to all except made an internal UR Transfer almost 2 months ago
I dont see what is wrong with doing an internal transfer? its the same account.

Offline Side incomer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #651 on: April 17, 2012, 01:23:03 PM »
Did you just apply for another card or so?
Side income is the most solid income... בדוק ומנוסה

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #652 on: April 17, 2012, 01:26:30 PM »
i have not applied for any chase cards in a while and have been paying on time and have been in good standing.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #653 on: April 17, 2012, 01:41:19 PM »
sounds like its pretty random

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #654 on: April 17, 2012, 01:57:02 PM »
i just got nailed too by chase!
They closed all my accounts.
i had an ink bold, freedom, marriot, united, continental.
my 2 mistakes were- doing a 3bm a month and a half after another 3bm.
i also transferred points to my wife.
and use amazon payments.
and requested alot of promotion matches

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #655 on: April 17, 2012, 01:57:54 PM »
This is really getting bad. Kind of regret just getting approved for the sp
Life isn't about checking the boxes. Nobody cares.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #656 on: April 17, 2012, 01:58:44 PM »
Chase is really getting stiff and tough. Something new has been happening there lately that they have begun cracking down on all kind of shtick which has been possible to do so easy till a few weeks ago. The funny part is all these enforcement went into effect at once, I believe that one executive there spent a few weeks reading through all credit card forums while writing down notes on a small yellow notepad, and then: a wave!    Here is the list: 1) a massive wave of severe A/As; 2) no more SP Visa and SP WMC for one cardholder; 3) no more regular Sapphire and SP for one cardholder; 4) no more than 2 new approved cards in 30 days; 5) no more easy Freedom matching to 30k; 6) freedom downgrade from 20k to 10k; 7) Sapphire downgrad from 25k to 10k; 8) SP downgrad from 50k to 40k; 9) Ink bold 'upgrade' from $5k spend to $10k spend to receive 50k (although downgrad to $1 spend for first 25k). Anything else on mind? Feel free to add.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #657 on: April 17, 2012, 02:01:19 PM »
Wow.
Chase is at war!

I think we can now tell Chase: לא מעוקצך ולא מדובשך. Don't give out massive awards, and try to get as many people as you could, and approve everybody for anything, and then kill people.
Side income is the most solid income... בדוק ומנוסה

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #658 on: April 17, 2012, 02:02:36 PM »
i just got nailed too by chase!
They closed all my accounts.
i had an ink bold, freedom, marriot, united, continental.
my 2 mistakes were- doing a 3bm a month and a half after another 3bm.
that's what they told you or your just guessing?

i also transferred points to my wife.
and use amazon payments.
and requested alot of promotion matches
Chase officially lets transfer between members of 1 houshold.
« Last Edit: April 17, 2012, 02:05:39 PM by oldguy »

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #659 on: April 17, 2012, 02:09:12 PM »
I hope im not next...