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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 1687475 times)

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #960 on: April 27, 2012, 12:02:33 AM »
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..
I'm talking about having a credit balance specifically with Chase.
And once they send the refund check it can be done again.
I personally have had a credit balance with them for a few months and holding out to see when they will finally send me the check..
If You See Something, Say Something!!

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #961 on: April 27, 2012, 12:03:55 AM »
Also I am wondering if having a checking account, business and personal reduce the risk of A/A?
This could also hurt you possibly.
Depending on how "well" you use those accounts and if you, indeed, use them "as intended".
If You See Something, Say Something!!

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #962 on: April 27, 2012, 01:51:28 AM »
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)
Can you elaborate... I often pay up most or all of my balance before the statement closes. Keeps my utilization down....

Offline scwam

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #963 on: April 27, 2012, 03:17:30 AM »
I'm talking about having a credit balance specifically with Chase.
And once they send the refund check it can be done again.
I personally have had a credit balance with them for a few months and holding out to see when they will finally send me the check..

They won't send you a check unless you ask them.

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #964 on: April 27, 2012, 03:29:59 AM »
Machlokes tanoim:
most banks will just send you a refund check after a few months of the balance sitting there..
They won't send you a check unless you ask them.
If You See Something, Say Something!!

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #965 on: April 27, 2012, 04:04:23 AM »
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)

Thanks for clearing that up .

Offline joeb1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #966 on: April 27, 2012, 09:20:34 AM »
They won't send you a check unless you ask them.

IME that happens to be incorrect

Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #967 on: April 27, 2012, 09:40:44 AM »
IME that happens to be incorrect
Correct after 6 months of no activity
Life isn't about checking the boxes. Nobody cares.

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #968 on: April 27, 2012, 09:45:08 AM »
Correct after 6 months of no activity
3 months for me.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #969 on: April 27, 2012, 12:00:28 PM »
Definitely can't hurt.
Any a/a'd guys here with great accounts?

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #970 on: April 27, 2012, 12:15:15 PM »
IME that happens to be incorrect
Correct after 6 months of no activity
3 months for me.

I just got three of them in the mail this past month, to be fair, I'm not sure any of them were from Chase.
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #971 on: April 27, 2012, 12:20:39 PM »
Chase and Citi seem to hang onto credit balances longer than AMEX IME.
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 #972 on: April 27, 2012, 12:25:27 PM »
Any a/a'd guys here with great accounts?
Oh ya!
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Offline sky121

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #973 on: April 27, 2012, 01:12:56 PM »
Better question, anyone here get A/A'd with a good account that WASN'T doing any activity that is KNOWN as a red flag? (Ex. Transfers of large amount of points, multiple 5 cent charges etc etc)
"Not all who wander are lost"

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #974 on: April 27, 2012, 03:00:39 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 .


Bumped

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #975 on: April 27, 2012, 03:01:48 PM »
Better question, anyone here get A/A'd with a good account that WASN'T doing any activity that is KNOWN as a red flag? (Ex. Transfers of large amount of points, multiple 5 cent charges etc etc)


Define " good account "

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #976 on: April 27, 2012, 05:47:23 PM »

Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #977 on: April 28, 2012, 03:42:44 AM »
Did you guys know UA now charges $15 Per 1000 miles for transfer
to someone else's account .

Was it like this when program was CO ?

Have to choose carefully where u put your UR  points .

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #978 on: April 29, 2012, 12:44:14 AM »
Any a/a'd guys here with great accounts?
Oh ya!
If you call $15k a Great account that's what I had and still got shut down.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #979 on: April 29, 2012, 12:52:38 AM »
If you call $15k a Great account that's what I had and still got shut down.
15K in checking savings? Personal or Business account?

Did you have a lot of credit with chase - a "risk" for them?