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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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.4%)
No (Bli Ayin Horah)
437 (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
64 (10.8%)

Total Members Voted: 593

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1107573 times)

Offline tzifanya54

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7125 on: September 24, 2019, 11:08:40 AM »
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
Likely not gonna give you any real reason. Donít hold your breath.

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7126 on: September 24, 2019, 11:13:18 AM »
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
How long has it been since the CC closures, a couple of days? Hopefully the checking account letter is not on its way also.
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 #7127 on: September 24, 2019, 11:30:56 AM »
How long has it been since the CC closures, a couple of days? Hopefully the checking account letter is not on its way also.

Yesterday, I hope not. They refunded or prorated all the annual fees on the cards that were close down, that must be a good sign

Offline mendy613

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Re: Help Please!
« Reply #7128 on: October 02, 2019, 03:08:32 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.


So I got the letter for DW and I... No real reason was given, just that "Our affiliate is ending their banking relationship with you"
And a letter stating that our checking account will be closed in a few weeks.

Again, no schtick and no new cards in two years... I called a few times and they said to fax to the executive team for more information..

Can anyone help?

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7129 on: October 02, 2019, 05:16:21 PM »
Hopefully the checking account letter is not on its way also.
And a letter stating that our checking account will be closed in a few weeks.
I was afraid of that. I would say checking is the culprit.
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 #7130 on: October 02, 2019, 08:58:31 PM »
I was afraid of that. I would say checking is the culprit.

What would they have against a nice old checking account? Nothing interesting going on with it

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7131 on: October 02, 2019, 09:50:02 PM »
What would they have against a nice old checking account? Nothing interesting going on with it
Any third party checks deposited? Any transfers (QP) from buying groups / mileage brokers?
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 #7132 on: October 03, 2019, 08:42:27 PM »
Any third party checks deposited? Any transfers (QP) from buying groups / mileage brokers?

Yes to the first, from buying groups...
Didn't know that would be an issue, I always made sure to deposit first instead of paying directly to the card

Any recourse for me?

Offline Joel2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7133 on: October 03, 2019, 08:45:00 PM »
Yes to the first, from buying groups...
Didn't know that would be an issue, I always made sure to deposit first instead of paying directly to the card

Any recourse for me?
Another reason not to do business with buying groups.
Unless you have another bank account in a different bank..

Offline mendy613

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7134 on: October 03, 2019, 08:49:39 PM »
Another reason not to do business with buying groups.
Unless you have another bank account in a different bank..

I have plenty of other checking accounts... Never knew this to be an issue... Checks made out to myself etc..

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7135 on: October 03, 2019, 11:18:53 PM »
Didn't know that would be an issue...
I am just trying to come up things that could have effected your account. I have no data points on this (buying groups) but always thought of it as a suspect. 
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Boruch Parnes

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7136 on: October 04, 2019, 03:10:03 AM »
I am just trying to come up things that could have effected your account. I have no data points on this (buying groups) but always thought of it as a suspect.
there are DPs for depositing buying group checks in chase

Offline gingyguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7137 on: October 04, 2019, 08:43:54 AM »
there are DPs for depositing buying group checks in chase
I don't know what got me shut down but I deposited 1 Check from a BG and sold points ....
May you slide down the banister of happiness & get many splinters of success up your career.

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7138 on: October 04, 2019, 09:04:42 AM »
I don't know what got me shut down but I deposited 1 Check from a BG and sold points ....
Checking closed - BG check
Checking open - points
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7139 on: October 04, 2019, 01:59:05 PM »
Yes to the first, from buying groups...
Didn't know that would be an issue, I always made sure to deposit first instead of paying directly to the card

Any recourse for me?
I was also closed from Chase for depositing buying group checks. They closed my checking and as a by product my credit cards were closed too. I'm sure it's fairly common here.