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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 1700372 times)

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1120 on: May 03, 2012, 12:18:40 AM »
Long time lurker on this thread. 

I got A/A'd last Monday, without notice.  Received notification in the mail on Friday saying that all my accounts have been closed.  Not using accounts as intended was NOT one of them.  I also have not done any weird balance transfers, large purchases, venmo, coins, etc.  Never a late payment.  I even opened up a new card last month without issues.  Anyways, I had six cards total, all shut down.  Called in to the regular and executive lines, no one was willing to talk about my case, said all correspondence had to be in writing.  Two letters sent so far with one reply in between, and they're refusing to reopen my accounts.  I'm still waiting to hear back about a proposed compromise, but it doesn't look good.  I didn't think I was at risk for an A/A given that I haven't done any abuse of the accounts, but here I am.  Be careful.
What was the reason given in the letter?
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Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1121 on: May 03, 2012, 12:26:46 AM »
what else do you do with UR points?
I was just unsure of what you meant. It seemed from your answer that you were saying that UR SP are meant to transfer to other UR accounts under other ppl's accounts. No worries, all good now :)

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1122 on: May 03, 2012, 02:39:28 AM »
this is still a rare happening isn't it?

This? If you're referring to Chase A/A, it seems to be more common these days...
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Offline PETERP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1123 on: May 03, 2012, 09:03:06 AM »
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 to not post specifics like that.

Offline helixcardinal

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1124 on: May 03, 2012, 09:46:26 AM »
Just to be clear, you don't churn and you have not made any UR transfers to anyone?

No churns, no UR transfers. 

Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1125 on: May 03, 2012, 09:47:16 AM »
No churns, no UR transfers.
Credit line vs. reported income?
Life isn't about checking the boxes. Nobody cares.

Offline helixcardinal

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1126 on: May 03, 2012, 09:47:23 AM »
What was the reason given in the letter?

Basically too many credit cards, too many recent accounts, too high a credit limit (although combined it was less than half my annual salary). 

Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1127 on: May 03, 2012, 09:51:21 AM »
Basically too many credit cards, too many recent accounts, too high a credit limit (although combined it was less than half my annual salary).
so weird, If this is the only reasons you are being given, why havent we all been shut down by now?

Offline Mocha

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1128 on: May 03, 2012, 09:55:12 AM »
so weird, If this is the only reasons you are being given, why havent we all been shut down by now?
al tiftach peh l'satan

Offline helixcardinal

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1129 on: May 03, 2012, 10:17:03 AM »
so weird, If this is the only reasons you are being given, why havent we all been shut down by now?

I don't know.  It's been extremely frustrating, to say the least. 

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1130 on: May 03, 2012, 10:19:49 AM »
Basically too many credit cards, too many recent accounts, too high a credit limit (although combined it was less than half my annual salary).
They view you as a credit risk. A lot better than "not used as intended".
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Offline helixcardinal

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1131 on: May 03, 2012, 10:30:56 AM »
They view you as a credit risk. A lot better than "not used as intended".

They're still not willing to reopen any of my accounts. 

Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1132 on: May 03, 2012, 10:34:16 AM »
They're still not willing to reopen any of my accounts.
Has anyone who was shut down gone to a branch and see if they can help?
I know dan has mentioned that it works sometime with recon

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1133 on: May 03, 2012, 11:25:54 AM »
Has anyone who was shut down gone to a branch and see if they can help?
I know dan has mentioned that it works sometime with recon

I know some who tried and had no luck, especially for  "not used as intended".
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Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1134 on: May 03, 2012, 02:00:06 PM »
Has anyone who was shut down gone to a branch and see if they can help?
I know dan has mentioned that it works sometime with recon
I went and no luck :(

Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1135 on: May 03, 2012, 02:14:04 PM »
I went and no luck :(
do they know you at the branch?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1136 on: May 03, 2012, 02:14:51 PM »
do they know you at the branch?
yes.

Offline abcxyzzz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1137 on: May 03, 2012, 02:28:09 PM »
Basically too many credit cards, too many recent accounts, too high a credit limit (although combined it was less than half my annual salary).

Exactly same thing happened to me and my wife on the same day last week.  Closed 4 personal and 1 business for me, and 3 personal and 1 buisness for my wife.  Funny thing is they say I have to high credit limit, yet THEY are the ones that recently approved me for $14k and $13k on my last 2 approvals.  They're giving me these high limits, then shutting me down...what a contradiction...

So how are some people getting reinstated? I've talked to several ppl, even in exec dept, and they're unwilling...

And how are some people getting 1 cent per point, they won't give me anything...

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1138 on: May 03, 2012, 02:38:31 PM »
Well, add another 3 shutdowns to the above poll... the above poster, his wife, and helixcardinal.

I get the feeling there is a bunch more "waiting in the wings" that haven't come forward, unfortunately.

So how are some people getting reinstated? I've talked to several ppl, even in exec dept, and they're unwilling...

And how are some people getting 1 cent per point, they won't give me anything...

Both are rare. And, though I hate to say it, its a YMMV kinda thing. Just keep trying, writing, emailing.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1139 on: May 03, 2012, 02:39:41 PM »
someone should really take them to small claims court for their points. at least the people who are shut down for credit reasons and not "not intended purpose" should have a good chance