Topic Wiki

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)
434 (73.4%)
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: 589

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1051481 times)

Offline nobiggy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7110 on: June 14, 2019, 06:07:33 PM »
Any thoughts on the risk with changing my IP cc from a sole prop to a new business name corp?

Offline shie123

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7111 on: August 15, 2019, 05:49:44 PM »
So I have been paying my personal Chase card with a chase business checking account (not in my name) for years now and I have just been told that this is very risky.
Can anyone elaborate if that is true?
I see nothing in the wiki about that.

TIA!

Online Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7112 on: August 23, 2019, 08:48:44 AM »
was shut down over 3 yrs ago
applied for a chase cc now and was declined bc of that  :'(
Show Some Respect for Me, I am The Chief Rabbi of New York :)

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7113 on: August 23, 2019, 09:49:48 AM »
was shut down over 3 yrs ago
applied for a chase cc now and was declined bc of that  :'(
Wow they must really hate you. What did the letter say?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Online Chief Rabbi of New York

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7114 on: August 23, 2019, 07:01:31 PM »
Wow they must really hate you. What did the letter say?

Didnít receive it
When I called up to try to ask why it was an automatic decline ..
They told me bc a while ago chase shut me down ...
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline mendy613

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Help Please!
« Reply #7115 on: September 23, 2019, 08:35:51 PM »
HELP!!!!!

Wife and I got all our personal cards and some business cards shut down today out of the blue...
Had cards with them for 6 years.
No shtick in at least two years (havent opened new cards in two years, but had almost all cards at least twice over the years).

They left our checking and some random business cards.
Said they mailed a letter with more information.

I had the executive line open a case for my reserve and freedom cards.

Offline Abey

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7116 on: September 23, 2019, 09:43:52 PM »
Been getting 10 day holds on my deposits (not moís etc) regular activity but some ramped up spending recently, sign of AA ?

Offline sillypainter

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7117 on: September 23, 2019, 10:12:00 PM »
Been getting 10 day holds on my deposits (not moís etc) regular activity but some ramped up spending recently, sign of AA ?

Had one large deposit held, and they told me whenever they get a warning that the payee bank account may be overdrawn and reversed, they hold it. Because banks could pull back payment within 10 days. So I guess it's the people you deal with are having financial issues.

Online CountValentine

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Re: Help Please!
« Reply #7118 on: September 23, 2019, 10:31:44 PM »
They left our checking and some random business cards.
Said they mailed a letter with more information.
Don't be surprised if they are closed in a couple of days also.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Online tzifanya54

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Re: Help Please!
« Reply #7119 on: September 24, 2019, 08:27:12 AM »
HELP!!!!!

Wife and I got all our personal cards and some business cards shut down today out of the blue...
Had cards with them for 6 years.
No shtick in at least two years (havent opened new cards in two years, but had almost all cards at least twice over the years).

They left our checking and some random business cards.
Said they mailed a letter with more information.

I had the executive line open a case for my reserve and freedom cards.
Did you get a lot of credit with other banks recently?

Offline mendy613

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Re: Help Please!
« Reply #7120 on: September 24, 2019, 10:31:04 AM »
Did you get a lot of credit with other banks recently?

Nope, havenít applied for any cards in two years..
Looks like they left one of my Inks open.. I guess I can still redeem for travel at 1.25

Online CountValentine

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Re: Help Please!
« Reply #7121 on: September 24, 2019, 10:32:51 AM »
Nope, havenít applied for any cards in two years..
Looks like they left one of my Inks open.. I guess I can still redeem for travel at 1.25
If they do leave a card open don't apply for any other Chase cards. You risk getting that card closed if you do.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Online tzifanya54

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Re: Help Please!
« Reply #7122 on: September 24, 2019, 10:42:50 AM »
Nope, havenít applied for any cards in two years..
Looks like they left one of my Inks open.. I guess I can still redeem for travel at 1.25
There has got to be something that set them off....

Online CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7123 on: September 24, 2019, 10:53:57 AM »
Is it possible your checking account was the issue? @mendy613
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline mendy613

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7124 on: September 24, 2019, 11:04:10 AM »
Is it possible your checking account was the issue? @mendy613

They left that open so I donít think so..
Iíll wait for the letter to come by mail explaining and then Iíll ask you nice guys for next steps