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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 1686891 times)

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #660 on: April 17, 2012, 02:09:49 PM »
chase lets you transfer to anyone you want, doesn't matter who it is and where they live and they even promote combining points so if they have problems with who you transfer it to then they should have specific guidelines which as far as i know they dont.

Offline smurf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #661 on: April 17, 2012, 02:11:26 PM »
I'm think I'm going to hold back on my 2bm and stick with just the ink bold

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #662 on: April 17, 2012, 02:11:51 PM »
chase lets you transfer to anyone you want, doesn't matter who it is and where they live and they even promote combining points so if they have problems with who you transfer it to then they should have specific guidelines which as far as i know they dont.
u know wrong technically it is only for spouses

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #663 on: April 17, 2012, 02:12:03 PM »
Do you have any other chase cardholder on your address?
Love me or hate me. I still love you.

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #664 on: April 17, 2012, 02:12:45 PM »
chase lets you transfer to anyone you want, doesn't matter who it is and where they live and they even promote combining points so if they have problems with who you transfer it to then they should have specific guidelines which as far as i know they dont.
look in the T&C its says only to members of the same houshold.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #665 on: April 17, 2012, 02:14:27 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.
What's your Chase CL compared to income and total CL?

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #666 on: April 17, 2012, 02:15:56 PM »
wife's cards are at my address, but If my accounts were closed for transferring to an outsider which was done almost 2 months ago, wouldnt they catch it right away?

Offline Jkhein

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #667 on: April 17, 2012, 02:17:25 PM »
Nobody is writing the important part, can you settle things with them and reopen like by Amex?

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #668 on: April 17, 2012, 02:18:20 PM »
they said once it's closed, they cannot be re-opened but you can re-apply for new ones.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #669 on: April 17, 2012, 02:19:16 PM »
wife's cards are at my address, but If my accounts were closed for transferring to an outsider which was done almost 2 months ago, wouldnt they catch it right away?

NOt necessarily , they could sometimes review it and then decide to close it. So you transferred outside your household? i thought you did internal. Your lucky you only had two cards and no points with them.

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #670 on: April 17, 2012, 02:20:35 PM »
Nobody is writing the important part, can you settle things with them and reopen like by Amex?
some people have succeeded but many not including me.

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #671 on: April 17, 2012, 02:20:52 PM »
thought external transfers was referring to travel programs etc..

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #672 on: April 17, 2012, 02:21:02 PM »
Nobody is writing the important part, can you settle things with them and reopen like by Amex?

AmEx with F/R is relatively much more lenient when it comes to reinstating charging privileges than Chase is with AA.

I have only read a couple of accounts where Chase backtracked.
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Offline Jkhein

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #673 on: April 17, 2012, 02:25:07 PM »
some people have succeeded but many not including me.
What and when was your AA experience?

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #674 on: April 17, 2012, 02:27:09 PM »
thought external transfers was referring to travel programs etc..
Sorry ya your right I thought you meant something else. So you did a transfer outside household or to your wife?  bec thats the  only thing that can be for not as intended use

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #675 on: April 17, 2012, 02:28:41 PM »
that's what they told you or your just guessing?
Chase officially lets transfer between members of 1 houshold.
thats my guess. they did not tell me anything. I spoke to the Rep who actually closed the account, but she refused to give me any details. i guilt tripped her a ton, telling her i am overseas without a card stranded etc,

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #676 on: April 17, 2012, 02:32:52 PM »
whats her name

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #677 on: April 17, 2012, 02:33:22 PM »
What and when was your AA experience?
about 4 weeks ago mine and my wife's accounts were A/A'd reasons were too many CC opened and only! 7 years Credit history for more info read post above.

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #678 on: April 17, 2012, 02:34:20 PM »
whats her name
dont remember- if you told me a name i might remember.

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #679 on: April 17, 2012, 02:36:16 PM »
dont remember- if you told me a name i might remember.
the who handled my case her 1st name was Kim is it the same one?