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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 1686886 times)

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #860 on: April 22, 2012, 11:37:01 PM »
Quote
Is sending 1k UR points from my account to my wifes UA account, not a smart move these days?

Of course this is absolutely fine. 1) It's a small amount 2) technically, your only suppose to send UR points to people with the same address

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #861 on: April 22, 2012, 11:38:08 PM »
My mistake, I thought he said UR, but it should be fine to send the points to your wifes UA acct

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #862 on: April 23, 2012, 12:39:42 AM »
UA can be transferred anywhere as they don't regulate it AFAIK, as opposed to UR which they can see

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #863 on: April 23, 2012, 01:12:24 AM »
Instead of continously speculating about what causes it, let's just all admit that there are apparently a variety of red flags.
If ppl have more actual data points to donate us, let's hear them, otherwise, speculation doesn't help anyone, and it just confuses ppl.

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #864 on: April 23, 2012, 04:34:19 AM »
Just don't have a Credit Limit more than your income and you'll be fine

Specifically at Chase?  My total is 3 X  income but I don't think that means anything. Did anyone ever consider a human being makes the decision to AA people so it may be subjective , as opposed
To some rigid guidelines .

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #865 on: April 23, 2012, 05:58:05 AM »
Specifically at Chase?  My total is 3 X  income but I don't think that means anything. Did anyone ever consider a human being makes the decision to AA people so it may be subjective , as opposed
To some rigid guidelines .
+1

Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #866 on: April 23, 2012, 12:22:49 PM »
Specifically at Chase?  My total is 3 X  income but I don't think that means anything. Did anyone ever consider a human being makes the decision to AA people so it may be subjective , as opposed
To some rigid guidelines .

How old (average age) is your credit?

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #867 on: April 23, 2012, 12:31:39 PM »
WHERE IS THE PIC?
i think you better get up and go to the bathroom

Offline bubbles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #868 on: April 23, 2012, 12:33:04 PM »
i think you better get up and go to the bathroom

http://www.amazon.com/Do-All-Outdoors-Pee-Bottle/dp/B004MXD18Y

and it is even prime eligible so you'll get it quickly  ;D

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #869 on: April 23, 2012, 12:43:30 PM »
How old (average age) is your credit?

I have had one Amex almost excludively for over 40 years plus only  1 other  card that I very seldom used in the last 10 years.
In the past year I have opened over 10 new cards. I pay my bills  promptly and prolly had > 35K
CL  on my one Amex card  that I never came close to using . My biggest bill may have been a one time $10k purchase on Amex.

If you take the average it's probably under 6 years .

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #870 on: April 23, 2012, 12:52:41 PM »
How old (average age) is your credit?
why do you ask

Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #871 on: April 23, 2012, 01:54:48 PM »
Wondering how 'long' it is :o

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #872 on: April 23, 2012, 04:10:53 PM »
Wondering how 'long' it is :o
Wrong forum

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #873 on: April 23, 2012, 09:12:07 PM »
i am not getting something

Offline mclovin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #874 on: April 23, 2012, 09:17:17 PM »
i am not getting something
And u should b happy about that

Offline mileshocker

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #875 on: April 24, 2012, 03:10:56 PM »
message Mclovin or Mordy44 for the letter....sorry for the wait guys..
Thanks for being so patient

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #876 on: April 24, 2012, 03:43:44 PM »
? :o :o :o :o ??? ??? ???

Offline mclovin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #877 on: April 24, 2012, 03:47:22 PM »
? :o :o :o :o ??? ??? ???
+10000000 although I do have to admit I know the guy

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #878 on: April 24, 2012, 03:48:21 PM »
? :o :o :o :o ??? ??? ???

Can you please post the letter? I didn't realize we were waiting for you? Why are you hiding it from us?
SHOW US ALREADY!!

Offline mileshocker

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #879 on: April 24, 2012, 03:52:19 PM »
Just for the record I've never met Mclovin ....
I have no idea who he is