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 (10.4%)
No (Bli Ayin Horah)
439 (73.3%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.8%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
66 (11%)

Total Members Voted: 597

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1170829 times)

Offline gingyguy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Sep 2011
  • Posts: 1418
  • Total likes: 409
  • DansDeals.com Hat Tips 36
  • Gender: Male
    • View Profile
  • Programs: I don't like to brag
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7140 on: October 04, 2019, 02:29:32 PM »
Checking closed - BG check
Checking open - points
there you have it - BG check.   Just once. its been over a year and a half  , may try again one day
May you slide down the banister of happiness & get many splinters of success up your career.

Offline Shmulyg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2012
  • Posts: 2485
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Kan Tzivah
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7141 on: October 11, 2019, 05:04:44 AM »
Wife had all her cards (with the exception of one) closed two weeks ago. If i transfer her UR points to myself am i endangering my own accounts?

Offline mendy613

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Apr 2013
  • Posts: 874
  • Total likes: 19
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: Brooklyn
Re: Help Please!
« Reply #7142 on: October 17, 2019, 02:25:06 PM »

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?

So the executive team got back to me saying it was 3rd party payments at some point  :(

Offline Tzadik Nistar

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2011
  • Posts: 917
  • Total likes: 2
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7143 on: January 07, 2020, 03:08:28 PM »
Been shut down 2.5 years ago
Have since opened up a couple of Chase CC
Is it safe to open back up Bank Account
Tempting now with the $900 signup offer

Offline Joel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2018
  • Posts: 2955
  • Total likes: 408
  • DansDeals.com Hat Tips 41
    • View Profile
  • Location: NYC
  • Programs: Hilton Diamond, Wyndham Diamond, Hyatt Explorist, Marriott Gold, IHG Platinum, National EE, Hertz PC
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7144 on: January 07, 2020, 03:09:19 PM »
Been shut down 2.5 years ago
Have since opened up a couple of Chase CC
Is it safe to open back up Bank Account
Tempting now with the $900 signup offer
Why where you originally shut down?

Offline menachemd1

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2019
  • Posts: 159
  • Total likes: 19
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: United States
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7145 on: January 07, 2020, 03:22:29 PM »
Been shut down 2.5 years ago
Have since opened up a couple of Chase CC
Is it safe to open back up Bank Account
Tempting now with the $900 signup offer
Were did you see a $900 offer ?

Offline Tzadik Nistar

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2011
  • Posts: 917
  • Total likes: 2
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7146 on: January 07, 2020, 03:23:21 PM »
Were did you see a $900 offer ?
It's targeted in my online account

Offline Hiding

  • Dansdeals Gold Elite
  • ***
  • Join Date: May 2012
  • Posts: 187
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7147 on: January 20, 2020, 01:57:32 PM »
Is it a risk to apply for too many cards one after another, or 2bm?

Offline chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3380
  • Total likes: 240
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7148 on: January 20, 2020, 03:01:29 PM »
Got my checking shut about a year and a half ago. Just got a new checking account.

Offline CountValentine

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 9023
  • Total likes: 2343
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7149 on: January 21, 2020, 10:57:48 AM »
Got my checking shut about a year and a half ago. Just got a new checking account.
How long has it been open?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline ltttc

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: May 2019
  • Posts: 552
  • Total likes: 105
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7150 on: January 21, 2020, 11:53:58 AM »
Got my checking shut about a year and a half ago. Just got a new checking account.
Which bank and what was the shutdown reason?

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5391
  • Total likes: 681
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7151 on: January 21, 2020, 12:25:35 PM »
Which bank and what was the shutdown reason?
I'm going to guess it was Chase, based on the thread in which this was posted.
Memories last forever, make them while you can.

Offline chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3380
  • Total likes: 240
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7152 on: January 21, 2020, 12:35:51 PM »
How long has it been open?
A day. :)
Which bank and what was the shutdown reason?
Chase. Probably buying groups.

Offline CountValentine

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 9023
  • Total likes: 2343
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7153 on: January 21, 2020, 12:45:42 PM »
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3380
  • Total likes: 240
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Chase A/A Master Thread (Now With Poll)
« Reply #7154 on: January 21, 2020, 12:46:39 PM »