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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 1686812 times)

Offline JEWDA

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1020 on: April 30, 2012, 11:08:12 AM »
who other than me was able to get reopened
What did it take to get reopened?
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1021 on: April 30, 2012, 11:09:25 AM »
What did it take to get reopened?
luck. Im not rewriting it all I'm the OP in the thread if you want to see my story read the first few pages

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1022 on: April 30, 2012, 11:18:06 AM »
who other than me was able to get reopened
Yellow.
Not sure who the 3rd lucky one is here.
Nice to see that 3 out of 8 reported AAs have been reopened though.
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 Chaikel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1023 on: April 30, 2012, 11:21:04 AM »
Yellow.
Not sure who the 3rd lucky one is here.
Nice to see that 3 out of 8 reported AAs have been reopened though.
My vote isn't accurate as it kept changing when new options were added. It show option 2, but it should be 3
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1024 on: April 30, 2012, 11:28:06 AM »
My vote isn't accurate as it kept changing when new options were added. It show option 2, but it should be 3
I've just changed the poll to allow users to remove their previous vote and vote again.
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 #1025 on: April 30, 2012, 12:13:12 PM »
Nice to see that 3 out of 8 reported AAs have been reopened though.
Now it is 4 out of 5. I guess no need to worry about AA.  ;D
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1026 on: April 30, 2012, 12:13:44 PM »
Now it is 4 out of 5. I guess no need to worry about AA.  ;D
4 out of 9.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1027 on: April 30, 2012, 12:16:42 PM »
who has been re opened im very curious

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1028 on: April 30, 2012, 12:17:16 PM »
4 out of 9.
I stand corrected. Why do I get the feeling the poll does not represent accurately what is going on.
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1029 on: April 30, 2012, 12:18:46 PM »
I stand corrected. Why do I get the feeling the poll does not represent accurately what is going on.
Like others have said, it will be skewed towards those who have been shut down as they are more likely to sound off.
But it gives us an idea of how many here have been shut down and their results if nothing else.
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.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1030 on: April 30, 2012, 12:22:16 PM »
How about a master thread on how members were able to get accounts reopened after AA from Chase?
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Offline Yellow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1031 on: April 30, 2012, 12:34:07 PM »
who has been re opened im very curious
Me, but I was shut down a while ago (Maybe a year ago?) and when i called it was relatively easy to get my cards back open. Not sure if it's still as easy with the latest shutdowns.

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1032 on: April 30, 2012, 12:39:05 PM »
And 2 more folk.
Don't be shy, tell your story!
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 myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1033 on: April 30, 2012, 12:41:10 PM »
And 2 more folk.
Don't be shy, tell your story!
+1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1034 on: April 30, 2012, 12:47:09 PM »
Ummm I just got this msg trying to sign in
Quote
Unable To Complete Your Request
Your User ID and Password are inactive. To reactivate your online access, please call us
Does this mean I might have to hold off on changing my vote?
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Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1035 on: April 30, 2012, 01:58:03 PM »
Ummm I just got this msg trying to sign in Does this mean I might have to hold off on changing my vote?
did it work out

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1036 on: April 30, 2012, 02:52:53 PM »
Hopefully false alarm. Fraud alert, but something weird is going on. I'll report back when I can log into my accounts again
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1037 on: April 30, 2012, 03:03:24 PM »
How does chase usually close or temporary shut accounts? Phone call? Letter? email?

I just got a call from an agent as they saw I had large spending on a business card... They asked the nature of my work etc...  then asked me to confirm how much I earn, after telling them they said that you and hung up.. is this a sign of worse things to come or is the fact they hung up mean it's ok? thx

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1038 on: April 30, 2012, 03:05:32 PM »
How does chase usually close or temporary shut accounts? Phone call? Letter? email?
They just close it and about a week later you get a letter in the mail.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1039 on: April 30, 2012, 03:06:37 PM »
They just close it and about a week later you get a letter in the mail.
What happens when you try to log in to your accounts online?