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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 1687375 times)

Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #680 on: April 17, 2012, 02:39:35 PM »
is there any biz accounts that was closed

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #681 on: April 17, 2012, 02:41:05 PM »
perl
dont remember.
is there any biz accounts that was closed
my ink bold was.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #682 on: April 17, 2012, 02:58:24 PM »
With all these AA's it feels as if theres a chase insider in here...

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #683 on: April 17, 2012, 02:59:56 PM »
I have the same feeling...       To those who were A/Ad today: did they shut wife's or other family member as well?
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Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #684 on: April 17, 2012, 03:03:33 PM »
With all these AA's it feels as if theres a chase insider in here...
-1
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #685 on: April 17, 2012, 03:11:14 PM »
-1
-1. I believe that it was strongly thought that Chase was lurking around the FW AARP thread.

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #686 on: April 17, 2012, 03:13:01 PM »
Only my accnt was closed

@aryeh1 to an unrelated person

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #687 on: April 17, 2012, 03:15:55 PM »
on Flyertalk customer reps read the threads and respond maybe there is a mole in the DDF.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #688 on: April 17, 2012, 03:18:50 PM »
The bleep will really hit the fan when a travel blogger, or s/o like Dan gets AA'd.

Speaking of Dan, you haven't been chiming in on this thread recently. Are you concerned about this due to all your cards, or do you have an 'in' b/c you're an affiliate?

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #689 on: April 17, 2012, 03:26:07 PM »
In the event Dan gets A/Ad, he'll not reveal it. He'll act as if nothing happened. If it'll be published he'll loose twice: his CCs and his business (less ppl will apply).
Love me or hate me. I still love you.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #690 on: April 17, 2012, 03:38:35 PM »
In the event Dan gets A/Ad, he'll not reveal it. He'll act as if nothing happened. If it'll be published he'll loose twice: his CCs and his business (less ppl will apply).
Why would less ppl apply?

Offline Name Changed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #691 on: April 17, 2012, 03:42:04 PM »
Why would less ppl apply?
Cuz they are scared they will get A/A'd


Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #692 on: April 17, 2012, 03:42:38 PM »
Why would less ppl apply?

...if they think an increase in apps/new accounts causes AA?

Pretty sure you know the answer to that.
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Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #693 on: April 17, 2012, 03:43:12 PM »
The real question is, what took Chase so long to come after us miles/points fressers. To be honest, we all knew the party was gonna end one day. All they have to do is follow blogs and forums, look for patterns that show who's acting like a fresser, and shut them. Did this day come with Chase? - we'll see, but let's not act surprised if it does. I'm suprised it took so long.
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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #694 on: April 17, 2012, 03:52:39 PM »
Everyone needs to chill. If you are planning any apps it would be best to hold off. This is starting to look like the AARP AA all over again. Give it a week or two and you should have a better idea.

Making accusations about Dan not saying anything if he gets AA is pretty low in my opinion.
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Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #695 on: April 17, 2012, 03:55:50 PM »
Making accusations about Dan not saying anything if he gets AA is pretty low in my opinion.
+100
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Offline Walk On the Ocean

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #696 on: April 17, 2012, 03:57:55 PM »
With all these AA's it feels as if theres a chase insider in here...
There is MOST definitely a mole in the blogosphere. Really there is no other explanation

All these A/A's are really out of control and chase's brutal tactics are unprecedented. ESPECIALLY for such a huge institution.

@Dan: what do you have to say about all this??

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #697 on: April 17, 2012, 04:04:15 PM »
There is MOST definitely a mole in the blogosphere. Really there is no other explanation
There could be a very simple answer. They don’t what unprofitable customers they feel are gaming the system. It sure looks that way with the AARP AA.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #698 on: April 17, 2012, 04:05:54 PM »
Please excuse me for asking. What is AARP AA?

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #699 on: April 17, 2012, 04:07:59 PM »
Please excuse me for asking. What is AARP AA?
PPL had a 5% cb AARP card, and many of them made 5 or 6 figures. In the last few months, Chase has closed down many ppl's accounts.