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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 1686852 times)

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #900 on: April 25, 2012, 07:28:38 PM »
Citi's long been incompetent, I doubt it will work with Chase though I'd be pleased to eat my words.
This happened when the Citi CR card was closed. I have no data if it will work with Chase but just thought it might be worth a shot. If it involves more than one Chase card I would suggest not to try this. Disputing many cards as “not yours” could cause a fraud alert on your account.
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Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #901 on: April 25, 2012, 07:34:37 PM »
Not going to work its more than one card.

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #902 on: April 25, 2012, 08:01:04 PM »
This happened when the Citi CR card was closed. I have no data if it will work with Chase but just thought it might be worth a shot. If it involves more than one Chase card I would suggest not to try this. Disputing many cards as “not yours” could cause a fraud alert on your account.

Virtually all those on DDF who were AA'd had more than one active Chase card at the time.
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Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #903 on: April 25, 2012, 08:27:22 PM »
Virtually all those on DDF who were AA'd had more than one active Chase card at the time.
I'm still wondering, ballpark figure how many people who have been AA's are we talking about?

Offline ajs625

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #904 on: April 25, 2012, 11:14:39 PM »
If you violate any T&C they close ALL your accounts and yes most people here have various chase issued CC's

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #905 on: April 25, 2012, 11:54:24 PM »
I was talking to this guy who's not a points/miles guy, he opened a chase credit card, simply to have a credit card, it was his only credit card, and it got shut down a month later, about 2 weeks ago.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #906 on: April 26, 2012, 12:04:52 AM »
Since we don't know 100% what causes an A/A, I'd like to suggest something that could be done to MAYBE avoid A/A or to try to appease whoever is analyzing the account by having something that shows low-risk signs:
Having a positive balance on one CC or more.
It's risk free, and, who knows, it might make a difference.
If You See Something, Say Something!!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #907 on: April 26, 2012, 12:11:53 AM »
I think chase has a box full tickets with our accounts and they pick a few every few days.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #908 on: April 26, 2012, 12:33:41 AM »
Since we don't know 100% what causes an A/A, I'd like to suggest something that could be done to MAYBE avoid A/A or to try to appease whoever is analyzing the account by having something that shows low-risk signs:
Having a positive balance on one CC or more.
It's risk free, and, who knows, it might make a difference.

A positive balance on a CC? As in have the CC owe you $?  :o

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Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #909 on: April 26, 2012, 12:35:13 AM »
A positive balance on a CC? As in have the CC owe you $?  :o
I had that and I still got A/A'd

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #910 on: April 26, 2012, 12:36:55 AM »
A positive balance on a CC? As in have the CC owe you $?  :o
Yes.
Prepaying might not be the "safest" per se, but if you buy something, pay in full and then return it, you will have a positive balance until you either use the card again for that amount or call them and ask for a refund check.
Obviously the larger the amount the better this (alleged) trick will work.
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Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #911 on: April 26, 2012, 12:37:21 AM »
I had that and I still got A/A'd
How much money were you above?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #912 on: April 26, 2012, 12:39:24 AM »
Since we don't know 100% what causes an A/A, I'd like to suggest something that could be done to MAYBE avoid A/A or to try to appease whoever is analyzing the account by having something that shows low-risk signs:
Having a positive balance on one CC or more.
It's risk free, and, who knows, it might make a difference.
it has been said that prepaying can be a red flag for some CC (as it allows for larger purchases).

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #913 on: April 26, 2012, 12:40:10 AM »
How much money were you above?
Not much it was basicly a mistake i thinf only a few dollars. so could be if i would of had more it would of helped.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #914 on: April 26, 2012, 12:41:41 AM »
Yes.
Prepaying might not be the "safest" per se, but if you buy something, pay in full and then return it, you will have a positive balance until you either use the card again for that amount or call them and ask for a refund check.
Obviously the larger the amount the better this (alleged) trick will work.

Yes, I understand how one obtains a credit balance on a CC; I'm just not sure having Chase owe you few bucks on a CC (or three) would help appease the wrath of the henchmen.

How would that go?

"So Mr. Smith has 9 new accounts, a utilization percentage north of 70, and his credit limits exceed his stated annual income by 150%."

"Yes, sir."

"Then we A/A him!"

"No, we shouldn't."

"Why?"

"We owe him $14.51 on his Southwest card."

"Ohhh, you're right. Abort. Abort."

:)
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Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #915 on: April 26, 2012, 12:54:45 AM »
it has been said that prepaying can be a red flag for some CC (as it allows for larger purchases).
Prepaying might not be the "safest" per se, but if you buy something, pay in full and then return it, you will have a positive balance
If You See Something, Say Something!!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #916 on: April 26, 2012, 12:55:10 AM »
or SM credits

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #917 on: April 26, 2012, 12:58:31 AM »
Yes, I understand how one obtains a credit balance on a CC; I'm just not sure having Chase owe you few bucks on a CC (or three) would help appease the wrath of the henchmen.

How would that go?

"So Mr. Smith has 9 new accounts, a utilization percentage north of 70, and his credit limits exceed his stated annual income by 150%."

"Yes, sir."

"Then we A/A him!"

"No, we shouldn't."

"Why?"

"We owe him $14.51 on his Southwest card."

"Ohhh, you're right. Abort. Abort."

:)
I like your sense of humor.
Obviously the larger the amount the better this (alleged) trick will work.
Personally, I currently have a credit balance of over $1200 in one of my Chase cards, been there for months. I also know someone who "stores cash" that way sometimes.
Obviously this would only work for those who pay in full every month, forgot to mention that.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #918 on: April 26, 2012, 01:14:04 AM »
"So Mr. Smith has 9 new accounts, a utilization percentage north of 70, and his credit limits exceed his stated annual income by 150%."

"Yes, sir."

"Then we A/A him!"

"No, we shouldn't."

"Why?"

"We owe him $14.51 on his Southwest card."

"Ohhh, you're right. Abort. Abort."

:)
You should write a book, would be very entertaining. Perhaps a guide book to dansdeals?

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #919 on: April 26, 2012, 01:17:25 AM »
or SM credits
Doubt that would work.
I'm talking about a substantial amount of money.
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