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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 1686856 times)

Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1060 on: May 02, 2012, 09:39:21 AM »
I called up the executive department this morning and am fighting the good fight right now.  They said I had 900k in revolving credit which is more than 3x what I actually have.


Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1061 on: May 02, 2012, 09:41:06 AM »
i guess bc i transferrred chase points to them Or because they applied for too many cards.  we all applied for the chase sapphire mc yesterday.

my parents have a different addr then me

How many points did you transfer between accounts? Just to confirm, did you transfer points between accounts that were associated with different addresses?

I called up the executive department this morning and am fighting the good fight right now.  They said I had 900k in revolving credit which is more than 3x what I actually have.



Do you mean 90K?
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Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1062 on: May 02, 2012, 09:44:38 AM »
no i mean 900,000

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1063 on: May 02, 2012, 09:48:24 AM »
no i mean 900,000

So, in actuality, you had $300,000 in revolving debt? Sheesh.

That, AND you transferred large amounts of points between accounts that did not share an address?

I'm not sure what your annual income is, but if it isn't pretty substantial (by which I mean enough to justify that amount of outstanding credit), I can't say I wonder why they pulled the cord on you.

That said, I do wish you luck. How many points got caught in the crossfire?
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Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1064 on: May 02, 2012, 10:01:14 AM »
I personally lost about 70k actual and another 70k of expected.
Yes my income can support my credit so thats not an issue.

I did not transfer large amounts of points between family members (and we all have the same last name)

Offline dans fan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1065 on: May 02, 2012, 10:07:51 AM »
Yes my income can support my credit so thats not an issue.
your income can support a cl of 300k?

Offline APoshiterYid

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1066 on: May 02, 2012, 10:21:19 AM »
So, in actuality, you had $300,000 in revolving debt? Sheesh.

That, AND you transferred large amounts of points between accounts that did not share an address?

I'm not sure what your annual income is, but if it isn't pretty substantial (by which I mean enough to justify that amount of outstanding credit), I can't say I wonder why they pulled the cord on you.
I assume/hope when he said revolving credit he meant CL, not debt.
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Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1067 on: May 02, 2012, 10:25:03 AM »
I assume/hope when he said revolving credit he meant CL, not debt.
You need to know the full story. When I was doing AOR’s I had close to 500k in debt across all CC’s. 
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1068 on: May 02, 2012, 10:38:53 AM »
I personally lost about 70k actual and another 70k of expected.

Thatk's still only $140k, do you mean $300k between all of you?

I assume/hope when he said revolving credit he meant CL, not debt.

I didn't understand it to mean debt either.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1069 on: May 02, 2012, 10:42:00 AM »
Thatk's still only $140k, do you mean $300k between all of you?

I didn't understand it to mean debt either.
in that quote he was talking abt points

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1070 on: May 02, 2012, 10:45:43 AM »
Thatk's still only $140k, do you mean $300k between all

The 70k is in reference to AJK's question on how many points were caught in crossfire...

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1071 on: May 02, 2012, 10:46:40 AM »
in that quote he was talking abt points

That makes more sense, it explains what he means by "expected 70k".
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Offline ChikkyMonkey

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1072 on: May 02, 2012, 10:52:53 AM »
can someone please clarify, is there a problem with me transferring UR points to my kids/spouse United accounts?? not big amnts 30-40 twice.. thx

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1073 on: May 02, 2012, 10:59:34 AM »
If they're in your household its officially allowed according to the t/c, but nothing is a guarantee you'll be spared.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1074 on: May 02, 2012, 11:29:59 AM »
If they're in your household its officially allowed according to the t/c, but nothing is a guarantee you'll be spared.
He said United account, cant they be transferred anywhere. As opposed to UR.

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1075 on: May 02, 2012, 11:45:09 AM »
If they're in your household its officially allowed according to the t/c, but nothing is a guarantee you'll be spared.

You make this stuff up?
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Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1076 on: May 02, 2012, 11:46:30 AM »
Oh guys! Right! I mixed up with UR to UR transfer. My apologies.
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Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1077 on: May 02, 2012, 11:46:54 AM »
Oh guys! Right! I mixed up with UR to UR transfer. My apologies.

You're still wrong.
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Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1078 on: May 02, 2012, 11:48:27 AM »
Hu hoooo!! You're good at this game!.... Why?
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Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1079 on: May 02, 2012, 11:49:13 AM »
Hu hoooo!! You're good at this game!.... Why?

Read the T&C (which you apparently have yet to read).
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