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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 1686905 times)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1000 on: April 29, 2012, 01:49:11 AM »
Did anybody get their UR transfered into miles after being A/A'd?

Never AFAIK.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1001 on: April 29, 2012, 01:50:50 AM »
I know of two members it helped but both were accounts shut down for "credit reasons".
Now!! that makes me feel better! :)

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1002 on: April 29, 2012, 01:55:05 AM »
Now!! that makes me feel better! :)
Don't make Chase out to be the bad guy. Just state your case, ask that your accounts be reopened (IMHO not going to happen) and that your points be made available to be redeemed.
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Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1003 on: April 29, 2012, 02:00:58 AM »
Don't make Chase out to be the bad guy. Just state your case, ask that your accounts be reopened (IMHO not going to happen) and that your points be made available to be redeemed.
Why?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1004 on: April 29, 2012, 02:07:00 AM »
Why?
There are many reports of accounts being shut down for all types of reasons. I have only seen one report of an account being opened again. There was about a three week period were members with the AARP card had all accounts closed, then all accounts opened except the AARP card and then all accounts closed again.
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« Last Edit: April 29, 2012, 02:21:05 AM by HelpMe »
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1007 on: April 30, 2012, 12:15:40 AM »
Poll added, please participate!

The poll results will be skewed because you'll see a higher response rate from the group that had their accounts closed.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1008 on: April 30, 2012, 12:25:43 AM »
The poll results will be skewed because you'll see a higher response rate from the group that had their accounts closed.
+1

I was thinking like that, that the results arent accurate, it just gives you a picture of what is happening ...

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1009 on: April 30, 2012, 12:30:23 AM »
truth is though even people who have not been shut down will want to see the results of the poll to see how worried they should be so I would think alot of people would vote.

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1010 on: April 30, 2012, 12:46:01 AM »
truth is though even people who have not been shut down will want to see the results of the poll to see how worried they should be so I would think alot of people would vote.
You do not need to vote in order to see the results.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1011 on: April 30, 2012, 01:02:12 AM »
You do not need to vote in order to see the results.
Could be for though I did not see the results until after I voted. That is how Yahoo does their polls for example making you interested in voting simply to see what everyone else wrote.

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1012 on: April 30, 2012, 01:07:52 AM »
Could be for though I did not see the results until after I voted. That is how Yahoo does their polls for example making you interested in voting simply to see what everyone else wrote.
In any case, IMO, to get a better picture of the situation it would be enough to know how many DDF'ers got A/A'd, not really the ratio within DDF.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1013 on: April 30, 2012, 01:22:39 AM »
In any case, IMO, to get a better picture of the situation it would be enough to know how many DDF'ers got A/A'd, not really the ratio within DDF.
That would be good so long as you know the number of people who are active on this forum to get a perspective on how common this is.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1014 on: April 30, 2012, 07:48:22 AM »
How can I vote 'no' when I have no idea what tomorrow wil happen?... If I, CH"V get A/Ad, would I be able to change my vote?
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1015 on: April 30, 2012, 08:01:03 AM »
How can I vote 'no' when I have no idea what tomorrow wil happen?... If I, CH"V get A/Ad, would I be able to change my vote?
At least you're asking the important questions :)

How would any poll work acc to what you're saying?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1016 on: April 30, 2012, 08:11:39 AM »
Thats something that might change any day, its not like asking opinions.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1017 on: April 30, 2012, 08:36:05 AM »
Thats something that might change any day, its not like asking opinions.
opinions change every day
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1018 on: April 30, 2012, 11:01:52 AM »
How can I vote 'no' when I have no idea what tomorrow wil happen?... If I, CH"V get A/Ad, would I be able to change my vote?
Notice the past tense of the poll.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1019 on: April 30, 2012, 11:06:34 AM »
who other than me was able to get reopened