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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 1687310 times)

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #720 on: April 17, 2012, 09:08:45 PM »

Who's Asher0? :P
wow! A typical AsherO post, he would be proud of you!
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #721 on: April 17, 2012, 09:43:40 PM »
This started appearing recently when you log in to chase. Maybe we could let them know.

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #722 on: April 17, 2012, 11:01:42 PM »
@joeb1, how do you know that the 3 guys you know who got A/A, were from transferring points in and out of their acct. also how much did they transfer and how many times? would appreciate if you could answer, thanx
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Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #723 on: April 17, 2012, 11:49:14 PM »
@joeb1, how do you know that the 3 guys you know who got A/A, were from transferring points in and out of their acct. also how much did they transfer and how many times? would appreciate if you could answer, thanx
+1, although I can tell you with 99.9% accuracy that the answer to your question is one BIG, HUGEYMMV!!
If You See Something, Say Something!!

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #724 on: April 17, 2012, 11:55:51 PM »
One thing I learned today about Chase is that their CS blows and they can try to pride themselves with Sapphire and how great their CS is, but when you need answers no know anything and it's like your talking to the wall.

Offline Fefferkorn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #725 on: April 18, 2012, 12:17:35 AM »
I'm considering switching my wife's address, should I do it or will I be "waking up the dead"?

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #726 on: April 18, 2012, 12:35:16 AM »
Quote
One thing I learned today about Chase is that their CS blows and they can try to pride themselves with Sapphire and how great their CS is, but when you need answers no know anything and it's like your talking to the wall.

My friend (got A/A motzei shabbos) tried calling numerous numbers to find out the reason why his accts were shut down. Not one rep would give a reply. All said "the letter with the reason will arrive within 7 days". When he asked about the large amount of points in the account, most answered that there's nothing that can be done, 1 rep answered that Chase will send a letter about the point compensation request.


Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #727 on: April 18, 2012, 12:42:09 AM »
can you find out what # he had called/ who he spoke to?

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #728 on: April 18, 2012, 12:43:39 AM »
[quotecan you find out what # he had called/ who he spoke to?][/quote]
About the Points? I'll ask...

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #729 on: April 18, 2012, 01:29:53 AM »
Back on topic:
Are there other reports in the blogosphere of this recent chase shutdown blitz? (I didn't see anything but I am not familiar with many other websites/forums)

Fat Wallet has a long thread about shutdowns for ppl with the AARP thread.
Those preceded these, but it's spreading.

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #730 on: April 18, 2012, 01:37:54 AM »
Fat Wallet has a long thread about shutdowns for ppl with the AARP thread.
Those preceded these, but it's spreading.
A new round hit on the 13th and more yesterday.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #731 on: April 18, 2012, 01:49:26 AM »
from fw:

"Hi everyone,
My father's card just got closed yesterday, but my personal card is still OK. I am an attorney, and my dad wants me to take this court as he lost about 70,000 points, all legitimate purchases as well.

If anyone is interested in pursuing legal action against Chase, PM me with your case facts, and I will review the case, either pursuing as a united front to determine if there's a valid case, and if we can be granted class status."
« Last Edit: April 22, 2012, 03:58:54 PM by Dan »

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #732 on: April 18, 2012, 01:55:51 AM »
from fw:

"Hi everyone,
My father's card just got closed yesterday, but my personal card is still OK. I am an attorney, and my dad wants me to take this court as he lost about 70,000 points, all legitimate purchases as well.

If anyone is interested in pursuing legal action against Chase, PM me with your case facts, and I will review the case, either pursuing as a united front to determine if there's a valid case, and if we can be granted class status."
There are many PM’s being exchanged to try and see if this guy is for real.
« Last Edit: April 22, 2012, 03:59:03 PM by Dan »
"Elvis Has Left The Building"

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #733 on: April 18, 2012, 02:07:22 AM »
Why would he not be?

Whats everyone doing, is everyone transferring out their UR points ?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #734 on: April 18, 2012, 02:13:10 AM »
Why would he not be?
Trust but verify.
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Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #735 on: April 18, 2012, 02:38:52 AM »
I have the same feeling...       To those who were A/Ad today: did they shut wife's or other family member as well?
not yet!
but i transferred all her points out to be sure!

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #736 on: April 18, 2012, 02:39:42 AM »
not yet!
but i transferred all her points out to be sure!
into where?

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #737 on: April 18, 2012, 02:49:27 AM »
lets say i did a cash back ;D

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #738 on: April 18, 2012, 02:50:04 AM »
I'm considering switching my wife's address, should I do it or will I be "waking up the dead"?
Nah, you should be fine.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #739 on: April 18, 2012, 05:12:54 AM »
One thing I learned today about Chase is that their CS blows and they can try to pride themselves with Sapphire and how great their CS is, but when you need answers no know anything and it's like your talking to the wall.
Of course, when they want your biz, then they're nice. When they don't want it, then they have no reason to be nice.