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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 1686897 times)

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #740 on: April 18, 2012, 05:23:22 AM »
Why would he not be?

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

I did for the two of us.

lets say i did a cash back ;D

Literally, at 1 cpm, or s/t eles?

Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #741 on: April 18, 2012, 09:43:33 AM »
a little OT, but once a transfer to an airline is initiated, has anyone gotten stopped and lost their points? 

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #742 on: April 18, 2012, 09:45:03 AM »
a little OT, but once a transfer to an airline is initiated, has anyone gotten stopped and lost their points? 
Transfers are instant.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #743 on: April 18, 2012, 10:04:26 AM »
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.
its called customer service, if you are a customer you get service if you are not a customer you dont get service. very simple

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #744 on: April 18, 2012, 10:18:22 AM »
but when they mees you up they dont want to give you the answers, that is bad customer service

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #745 on: April 18, 2012, 10:26:57 AM »
but when they mees you up they dont want to give you the answers, that is bad customer service
if they mess you up its bc they dont think you are a customer. i feel your pain i am just explaining you what they think

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #746 on: April 18, 2012, 10:31:34 AM »
Understood, but consistency is how we rate CS and when you need s/t they'll be happy to help but when you need an explanation there is no one to talk to and that is what us in the DDF have discovered about Chase. #inconsistent

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #747 on: April 18, 2012, 11:09:46 AM »
I did for the two of us.

Literally, at 1 cpm, or s/t eles?

s/t else  ;D

Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #748 on: April 18, 2012, 11:21:11 AM »
I did for the two of us.
can I ask to where? (Im assuming UA)


Literally, at 1 cpm, or s/t eles?
Im assuming he means he sold em

Offline arch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #749 on: April 18, 2012, 11:34:23 AM »
s/t else  ;D
I think he gave them to charity
Learner-Churner or Churner-Learner?

Offline Mocha

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #750 on: April 18, 2012, 11:39:44 AM »
Can we get a small tally from people that have not been a/a'd even though they participated in some moderate churning? Would make a few of us feel better :)

I did:
2 CO
1 Hyatt
1 SP
1 Ink Bold

Hyatt and CO sometime last fall
2/bm for CO+SP in Jan
Ink bold this morning
« Last Edit: April 18, 2012, 11:46:27 AM by Mocha »

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #751 on: April 18, 2012, 12:00:02 PM »
+100 some positive talk...
Love me or hate me. I still love you.

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #752 on: April 18, 2012, 12:19:35 PM »
Can we get a small tally from people that have not been a/a'd even though they participated in some moderate churning? Would make a few of us feel better :)
I personally know at least 8 people who've applied to 5+ chase cards in the past year and ba''h no A/As, B"H.
DD.com Main Site Deals 0 = DDF Loser

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #753 on: April 18, 2012, 01:01:54 PM »
I think he gave them to charity
+1 ;)

Offline Yitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #754 on: April 18, 2012, 02:07:10 PM »
2 chase
1 us air
1 Virgin Amex

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #755 on: April 18, 2012, 02:17:46 PM »
1 rep answered that Chase will send a letter about the point compensation request.
I got that letter too. it just said that the account is closed so they can't give me the points.

Offline bruce

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #756 on: April 18, 2012, 03:01:52 PM »
Just came across this list of do's and dont's to help avoid an A/A from Chase.

I'm not from the experts on this forum but he seems to know what he's talking about.

http://boardingarea.com/blogs/frequentmiler/2012/04/09/why-chase-cancels-accounts-and-how-to-protect-yourself/

Offline Name Changed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #757 on: April 18, 2012, 03:14:32 PM »
Just came across this list of do's and dont's to help avoid an A/A from Chase.

I'm not from the experts on this forum but he seems to know what he's talking about.

http://boardingarea.com/blogs/frequentmiler/2012/04/09/why-chase-cancels-accounts-and-how-to-protect-yourself/
Nice link!

But currently we dont know the real reasons ...

I was actually wondering if getting points thru UR Mall was a risk... From the article it says that chase makes money off that ...


Offline bruce

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #758 on: April 18, 2012, 03:20:56 PM »
yes that was interesting.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #759 on: April 18, 2012, 03:21:17 PM »
Just came across this list of do's and dont's to help avoid an A/A from Chase.

I'm not from the experts on this forum but he seems to know what he's talking about.

http://boardingarea.com/blogs/frequentmiler/2012/04/09/why-chase-cancels-accounts-and-how-to-protect-yourself/

It's a great blog, but his strength is accumulating miles. I don't think he has any unique knowledge about AA's