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 :(
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 1687101 times)

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #840 on: April 22, 2012, 07:26:44 PM »
signed up a whole load of CCs from chase last 10 months....
Credit history bit screwed up... had AMEX for 5 years yet for some ridiculous reason not on credit history (complicated story there) but on file longest one I have is almost 3 years old.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #841 on: April 22, 2012, 07:30:02 PM »
Credit history bit screwed up... had AMEX for 5 years yet for some ridiculous reason not on credit history (complicated story there) but on file longest one I have is almost 3 years old.
Which card was the 2nd app? What was the sing up bonus?
Do you use chase for banking or do you have a lot of points that you would loose if you were A/A?

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #842 on: April 22, 2012, 07:31:13 PM »
Which card was the 2nd app? What was the sing up bonus?
Do you use chase for banking or do you have a lot of points that you would loose if you were A/A?

2nd app was Ink Cash. I do have a chase business checking account. Will this mean I won't lose my UR points if A/A?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #843 on: April 22, 2012, 07:32:32 PM »
2nd app was Ink Cash. I do have a chase business checking account. Will this mean I won't lose my UR points if A/A?
You will, I was asking 2 Q's 1- if you use chase for banking, and do you have points ... Cuz if you are A/A you will loose both

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #844 on: April 22, 2012, 07:34:15 PM »
You will, I was asking 2 Q's 1- if you use chase for banking, and do you have points ... Cuz if you are A/A you will loose both
Not cool... any idea how many members who have been signing Chase cards have had A/A happen? Do you think I should still push to get 2nd app? I already pushed through the 1st one (bold)...

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #845 on: April 22, 2012, 07:44:20 PM »
Not cool... any idea how many members who have been signing Chase cards have had A/A happen? Do you think I should still push to get 2nd app? I already pushed through the 1st one (bold)...
No one currently know the triggers of A/A

But, too many chase apps, or too much credit with chase seem to be a cause.

IMHO if you "need" chase for your banking you have more to loose than if you are just trying to churn cards and get sing up bonuses.


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Re: Chase A/A Master Thread (Now With Poll)
« Reply #846 on: April 22, 2012, 08:47:20 PM »

But, too many chase apps, or too much credit with chase seem to be a cause.


Any idea of how many or how much?

Offline Walk On the Ocean

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #847 on: April 22, 2012, 09:18:02 PM »
Is switching a sapphire visa to MC a possible trigger? (IE has anyone who has recently gotten A/A'd switched they're sapphire Visa to the sapphire MC?)
I know it's far fetched but figured its good to ask so we have as much data points as possible

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #848 on: April 22, 2012, 10:23:01 PM »
It doesn't seem like there's one specific red flag that triggers the A/A. Just be careful. Don't push 3 Apps through, then spend 4G on Venmo, then transfer in 300k UR Points from 6 different people, then start opening accts for other people.....    :o

Offline lcyitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #849 on: April 22, 2012, 10:29:22 PM »
It doesn't seem like there's one specific red flag that triggers the A/A. Just be careful. Don't push 3 Apps through, then spend 4G on Venmo, then transfer in 300k UR Points from 6 different people, then start opening accts for other people.....    :o

Is that from experience>?  :)

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #850 on: April 22, 2012, 10:32:21 PM »
Quote
Is that from experience>? 

Lol. No.... I have not done all of these. Additionally, my own personal acct B''H has not been shut down.    ;)

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #851 on: April 22, 2012, 10:54:18 PM »
Is sending 1k UR points from my account to my wifes UA account, not a smart move these days?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #852 on: April 22, 2012, 11:06:09 PM »
Just don't have a Credit Limit more than your income and you'll be fine

Offline sky121

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #853 on: April 22, 2012, 11:08:47 PM »
Just don't have a Credit Limit more than your income and you'll be fine

You think that's it??

    Also..side question .. if that does help why don't people lower their limits ?
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Offline mileshocker

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #854 on: April 22, 2012, 11:11:42 PM »
people should..i know my friend who was told from chase that he has too much credit w.them to get another card so he just cut his CL down and applied for a new card and got accepted

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #855 on: April 22, 2012, 11:16:57 PM »
Just don't have a Credit Limit more than your income and you'll be fine
So what does it mean when your CL is 1/10 of your income and they close your card?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #856 on: April 22, 2012, 11:18:37 PM »
So what does it mean when your CL is 1/10 of your income and they close your card?
This was your case?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #857 on: April 22, 2012, 11:22:47 PM »
No but was the case with many that had the AARP card. I was just pointing out that you have to careful making a blanket statement.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #858 on: April 22, 2012, 11:24:07 PM »
No but was the case with many that had the AARP card. I was just pointing out that you have to careful making a blanket statement.
Considering the amount of false statements he's made already on this thread there's not really much to point out.
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 HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #859 on: April 22, 2012, 11:33:49 PM »
Considering the amount of false statements he's made already on this thread there's not really much to point out.
Thanks for the reminder.

Going to get the Pic just stay tuned and don't go anywhere.....
WHERE IS THE PIC?
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