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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 1687368 times)

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #820 on: April 21, 2012, 11:13:50 PM »
If tahts the case with you, I rasie hands. But its discriminating that they don't send letters explaining approval, not for me, not for the Mrs., not for daddy and not for mama.
Love me or hate me. I still love you.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #821 on: April 22, 2012, 12:25:37 AM »
Quote
If tahts the case with you, I rasie hands. But its discriminating that they don't send letters explaining approval, not for me, not for the Mrs., not for daddy and not for mama.

sigh...... crazy as always..  ;D

Offline satturn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #822 on: April 22, 2012, 02:29:00 AM »
I did a quick search and didn't find the answer... I know we still haven't figured out exact reason for Chase A/A... do excessive AMEX GCs have to do with it?

i got closed. never bought a gc.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #823 on: April 22, 2012, 06:26:40 AM »
This isn't funny. All my accounts, and the wife's accounts aren't being shown online. Her homepage says s/t about site availability being limited, but mine doesn't.

I'm becoming paranoid.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #824 on: April 22, 2012, 07:17:27 AM »
This isn't funny. All my accounts, and the wife's accounts aren't being shown online. Her homepage says s/t about site availability being limited, but mine doesn't.

I'm becoming paranoid.


sites down dw

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #825 on: April 22, 2012, 07:18:35 AM »
i got closed. never bought a gc.
what abour ur transfers?

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #826 on: April 22, 2012, 08:01:44 AM »

sites down dw


Sites working for me 8 Am NYC time . Warning about after midnight access so YMMV

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #827 on: April 22, 2012, 08:08:57 AM »
This isn't funny. All my accounts, and the wife's accounts aren't being shown online. Her homepage says s/t about site availability being limited, but mine doesn't.

I'm becoming paranoid.

I'm back!! Either I was reinstated, or site fuctionality was restored.
I'll bet on the second.
:)

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #828 on: April 22, 2012, 09:08:57 AM »
I'm back!! Either I was reinstated, or site fuctionality was restored.
I'll bet on the second.
:)
Having the AARP card is so much fun.  ;D
"Elvis Has Left The Building"

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #829 on: April 22, 2012, 11:06:15 AM »
Having the AARP card is so much fun.  ;D
Partially that, but with the raft of closures, I'd be concerned even w/o it.

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #830 on: April 22, 2012, 11:17:18 AM »
Do we really need to go through this every single sunday early morning?
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 Jkhein

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #831 on: April 22, 2012, 01:04:19 PM »
Do we really need to go through this every single sunday early morning?
It is retarded!!! and I hate when I call them to ask, they lie that the last site update was only a few weeks ago etc.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #832 on: April 22, 2012, 02:21:52 PM »
Do we really need to go through this every single sunday early morning?
yes, especially for us Israeli's, since it's the afternoon for us.

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #833 on: April 22, 2012, 02:23:50 PM »
It is retarded!!! and I hate when I call them to ask, they lie that the last site update was only a few weeks ago etc.
Not what I meant...
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 txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #834 on: April 22, 2012, 04:44:56 PM »
Sunday is update day for Chase. Get used to it. Nothing to worry about.
If You See Something, Say Something!!

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #835 on: April 22, 2012, 04:48:02 PM »
Sunday is update day for Chase. Get used to it. Nothing to worry about.

Agree with ur entire post except for this.... ;)

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #836 on: April 22, 2012, 06:18:17 PM »
I am a bit worried... not sure if I should push for approval of the second app of my 2bm that I just did.... I never churned, just signed up a whole load of CCs from chase last 10 months....

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #837 on: April 22, 2012, 06:30:14 PM »
I am a bit worried... not sure if I should push for approval of the second app of my 2bm that I just did.... I never churned, just signed up a whole load of CCs from chase last 10 months....
how many did you sign up for ?

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #838 on: April 22, 2012, 06:42:21 PM »
how many did you sign up for ?
6 (including the 2 I just signed up for)
I had no chase cards before all this. They even mentioned on my last recon that they had approved me for so much in such a short span

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #839 on: April 22, 2012, 07:14:03 PM »
6 (including the 2 I just signed up for)
I had no chase cards before all this. They even mentioned on my last recon that they had approved me for so much in such a short span
How far apart where the 6. How long is your credit history besides for chase?