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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 1686958 times)

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1100 on: May 02, 2012, 10:15:36 PM »
this is still a rare happening isn't it?
Not necessarily, it could be he had too much credit and was a "risk" for them ...




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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1101 on: May 02, 2012, 10:17:03 PM »
i guess bc i transferrred chase points to them
how many at a shot and how many times?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1102 on: May 02, 2012, 10:42:43 PM »
Quote
please define clearly how big "decent" is, 100k, 50k, 20k, etc.?

The one transfer i believe triggered the A/A was a transfer of 400k. I believe that this triggered the A/A because the person who sent those points also had his acct shut down.

Yes....it was dumb to do such a large amount in one transfer....  :-\

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1103 on: May 02, 2012, 10:47:47 PM »
The one transfer i believe triggered the A/A was a transfer of 400k. I believe that this triggered the A/A because the person who sent those points also had his acct shut down.

Yes....it was dumb to do such a large amount in one transfer....  :-\
Now we're hearing the stuff I've been waiting to hear.
How long after the transfer was the shutdown?
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 #1104 on: May 02, 2012, 10:50:20 PM »
Quote
Now we're hearing the stuff I've been waiting to hear.
How long after the transfer was the shutdown?

It took a while. I believe it was about 2 months although i'll check the dates to make sure.

A representative on the phone also claimed that someone watches all transfers and irregularities. Not sure if that completely true but it's what she said.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1105 on: May 02, 2012, 10:57:15 PM »
6 weeks to be exact

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1106 on: May 02, 2012, 11:10:17 PM »
I transfered for someone about 2 1/2 months ago 1.6M UR points in 4 transactions do i need to still be nervous about A/A or it passed already alot of time and they wont come back after me?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1107 on: May 02, 2012, 11:12:27 PM »
I transfered for someone about 2 1/2 months ago 1.6M UR points in 4 transactions do i need to still be nervous about A/A or it passed already alot of time and they wont come back after me?
I would advise you not to keep too much UR in your account just in case....

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1108 on: May 02, 2012, 11:13:39 PM »
I transfered for someone about 2 1/2 months ago 1.6M UR points in 4 transactions do i need to still be nervous about A/A or it passed already alot of time and they wont come back after me?

Wow that's a lot.... I didnt realize so many DDFers were racking up such big amounts of UR points.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1109 on: May 02, 2012, 11:14:47 PM »
Where can someone transfer UR points to?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1110 on: May 02, 2012, 11:16:03 PM »
Where can someone transfer UR points to?
UA, BA, etc. or just sell it.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1111 on: May 02, 2012, 11:20:17 PM »
UA, BA, etc. or just sell it.

It transfers to United at 1:1?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1112 on: May 02, 2012, 11:21:49 PM »
It transfers to United at 1:1?
Yes. In 1000 pts increments

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1113 on: May 02, 2012, 11:25:26 PM »
And sitting and making 50 1000 point transfers doesn't trigger an AA?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1114 on: May 02, 2012, 11:30:42 PM »
And sitting and making 50 1000 point transfers doesn't trigger an AA?
From what I understand it seems to be riskier when transferring to other ppl's UR accounts not so much when your transferring to your mileage program.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1115 on: May 02, 2012, 11:32:34 PM »
And sitting and making 50 1000 point transfers doesn't trigger an AA?
any amount is fine as long as its divisible by 1K. 50K could be done in one transfer.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1116 on: May 02, 2012, 11:35:09 PM »
From what I understand it seems to be riskier when transferring to other ppl's UR accounts not so much when your transferring to your mileage program.
that's what UR SP points are mainly made for but anyway like yaakov s said the transfer could be as big as you want.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1117 on: May 02, 2012, 11:39:19 PM »
that's what UR SP points are mainly made for
What do you mean?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1118 on: May 02, 2012, 11:45:53 PM »
What do you mean?
what else do you do with UR points?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1119 on: May 03, 2012, 12:12:46 AM »
Wow that's a lot.... I didnt realize so many DDFers were racking up such big amounts of UR points.
it wasn't "racking up" vehamayvin yavin ;)
« Last Edit: May 03, 2012, 12:17:00 AM by Lamdan »
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