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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 1687343 times)

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #940 on: April 26, 2012, 03:12:13 PM »
Besides for points...Chase jacks cars away too..

"I am a poor college student going to school full time and working full time. I am trying the best I can do to pay off my tuition bill by April 26, which is my deadline, in order to receive my degree. Here I am sitting on the eve of midterms with a 40-minute commute that I won't be able to make on the day of midterms, because Chase Auto decided to be sneaky ** and take my car at 2 am. How in the world do they want me to graduate and get a job if I can't make it to school? Are they complete idiots? "
« Last Edit: April 26, 2012, 03:27:01 PM by aryeh1 »

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #941 on: April 26, 2012, 03:14:10 PM »
Update:  My friend who had his account closed by Chase told me that the person who sent him a large sum of UR points also had his account shut down.

Coincidence? I think not.  :'(
this is the first report IIRC, of someone just sending and getting A/A
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #942 on: April 26, 2012, 03:14:36 PM »
A couple of large transactions reversed.

You make it sound like it was unexpected. :)
Return a car or two?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #943 on: April 26, 2012, 04:29:24 PM »
You make it sound like it was unexpected. :)
Not really unexpected.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #944 on: April 26, 2012, 04:54:17 PM »
Not really unexpected.
I would imagine.

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #945 on: April 26, 2012, 06:09:30 PM »
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.

I don't agree with your hypothesis. Most banks probably don't even report credit balances as such (they get reported as 0), and most banks will just send you a refund check after a few months of the balance sitting there..
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Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #946 on: April 26, 2012, 06:19:55 PM »
Quote
About how many points did he transfer?

tad more than 400k

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #947 on: April 26, 2012, 06:25:16 PM »
Interesting data point.

Take from it what you will.

http://www.flyertalk.com/forum/18465818-post68.html
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Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #948 on: April 26, 2012, 06:30:33 PM »
Interesting, Anybody recently have success redeeming for cash?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #949 on: April 26, 2012, 06:35:34 PM »
Interesting, Anybody recently have success redeeming for cash?

I know of a couple people.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #950 on: April 26, 2012, 06:36:54 PM »
Quote
I know of a couple people.

extreme minority?

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #951 on: April 26, 2012, 06:43:53 PM »
Interesting data point.

Take from it what you will.

http://www.flyertalk.com/forum/18465818-post68.html

It was other stuff too, he did transfers etc

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #952 on: April 26, 2012, 06:46:37 PM »
It was other stuff too, he did transfers etc

Other? That implies I suggested he did something.
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Offline gozalim

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #953 on: April 26, 2012, 07:07:51 PM »
I have prepaid because I was not sure if I would have net access when the  bill became due .
Avoiding late charges etc I have paid 2 x in one cycle .

No large amounts just convenient to get it done
by "prepay" I meant paying more than your balance (so your available credit>your CL) not paying before the statement closes (which is not known to be a flag)

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #954 on: April 26, 2012, 07:08:23 PM »
I know of a couple people.
Were the accounts closed for credit reasons or the dreaded "not used as intended"? It seems you have a chance of them letting you redeem them if the accounts were closed for credit reasons.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #955 on: April 26, 2012, 08:50:24 PM »
I am thinking ...

I have spoke to my chase Business banker -  about 3 months after I opened a chase Business account I wanted to get the INK CC, I asked my banker if I dont get approved is there anything he could do, he responded that if I have a chase savings account with a decent amount of money (10k) than he could talk to chase and  get me approved since I am a customer of value to them ...

So I'm thinking - would opening a chase savings account (10K) help to not get A/A?

Also I am wondering if having a checking account, business and personal reduce the risk of A/A?

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #956 on: April 26, 2012, 08:53:01 PM »
So I'm thinking - would opening a chase savings account (10K) help to not get A/A?
Definitely can't hurt.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #957 on: April 26, 2012, 08:59:29 PM »
Were the accounts closed for credit reasons or the dreaded "not used as intended"? It seems you have a chance of them letting you redeem them if the accounts were closed for credit reasons.

At least one of them was for credit reasons, IIRC.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #958 on: April 26, 2012, 09:29:19 PM »
Also I am wondering if having a checking account, business and personal reduce the risk of A/A?
Have the same thought.
My wife is shut down for over 2 weeks already. I with the same history exactly, plus a lot of combined activity, same email etc... they left open. I believe it's because of my good accounts that I have with them, that weren't under my wife's name at all.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #959 on: April 27, 2012, 12:00:26 AM »
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