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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 1687546 times)

Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1180 on: May 03, 2012, 08:40:51 PM »
ani lo rotzeh lhagid et ha devarim banglit, ki ani lo rotzeh she hem yed'u mi zeh achi.  V'mi sheamar she achi lo asiti, zeh bshvil she ulai prati zeh yoter tov.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1181 on: May 03, 2012, 09:00:20 PM »
V'mi sheamar she achi lo asiti, zeh bshvil she ulai prati zeh yoter tov.
Ani lo mevain at ha ivrit shelcha. Zeh ivrit im hinglit

Offline Jerseysteve

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1182 on: May 03, 2012, 09:01:18 PM »
How long after the transfer?
1 month also applied for about 4 chase cards over the last year

Offline Jerseysteve

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1183 on: May 03, 2012, 09:02:32 PM »
Transferred....out to another UR account?  Or to a travel partner?
First on that got shut was for selling the points
Second family member transferred 100k points into first family members UR account

Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1184 on: May 03, 2012, 09:10:36 PM »
Ani lo mevain at ha ivrit shelcha. Zeh ivrit im hinglit
+1 but I guess that way google translate won't help
Life isn't about checking the boxes. Nobody cares.

Offline Name Changed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1185 on: May 03, 2012, 09:16:44 PM »
+1 but I guess that way google translate won't help
I was thinking of that, as if someone types in Ivrit letter its pointless

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1186 on: May 03, 2012, 09:17:55 PM »
Is it me or does it seem like Chase is actually monitoring UR transfers enough to discern if people are transferring to spouses (allowed) or transferring to others (not allowed)?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1187 on: May 03, 2012, 09:21:24 PM »
Is it me or does it seem like Chase is actually monitoring UR transfers enough to discern if people are transferring to spouses (allowed) or transferring to other (not allowed)?

This is the most common trigger so I'd say your assumption is about right.
However, 3bms and other strange point earnings are a suspected trigger too (in terms of points)

Then there is the other known trigger of having a CL that exceeds or reaches 50% and above of your sated income.


Offline Jerseysteve

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1188 on: May 03, 2012, 09:22:57 PM »
Since I am now getting a bunch of PM here is the exact story.
My wife and I transferred 100k each UR to my brothers UR account (he lives in a different state)
My father also transferred 50k UR to my brother UR - also different address
my brother had 100k himself
he sold the 350k UR to someone in lakewood
My brother's cards all got cancelled last night
My father's cards got cancelled also
My wife and I have not been cancelled
My brother has applied over the last year for Sapphire continental and united. He also switched his sapphire to MC and applied again for a visa
My father also had several chase cards over the last year - I dont have exact details
My wife only has sapphire
I had sapphire and applied and received before Pesach for priority club and southwest

I hope this megilah helps someone -
« Last Edit: May 03, 2012, 09:33:34 PM by Jerseysteve »

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1189 on: May 03, 2012, 09:27:27 PM »
Since I am now getting a bunch of PMS here is the exact story.
You may want to get that checked out ;)
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 moshiach1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1190 on: May 03, 2012, 09:29:43 PM »
So how do people Sell Points without getting caught??

Offline Jerseysteve

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1191 on: May 03, 2012, 09:30:05 PM »
You may want to get that checked out ;)
You are too quick I switched it about a second after it posted

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1192 on: May 03, 2012, 09:30:49 PM »
Since I am now getting a bunch of PM here is the exact story.

I hope this megilah helps someone -

It certainly does help and thanks for sharing it and sorry for your fathers and brothers closures.

Would you mind sharing when (roughly) the transfers occurred and when your brother sold them?

Offline Jerseysteve

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1193 on: May 03, 2012, 09:32:24 PM »
It certainly does help and thanks for sharing it and sorry for your fathers and brothers closures.

Would you mind sharing when (roughly) the transfers occurred and when your brother sold them?

approx 6 weeks ago - we all transferred to him a few days before he sold them

Offline Walk On the Ocean

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1194 on: May 03, 2012, 09:36:23 PM »
wow
I guess chase IS monitoring transfers. Do can we safely assume that if our CL isn't huge, and we don't make ur transfers than we have a big chance of not getting shut down?
And can we safely assume that churning/3BM is not the cause?

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1195 on: May 03, 2012, 09:48:49 PM »
approx 6 weeks ago - we all transferred to him a few days before he sold them

Thanks for a complete story which definitely has lots to learn of.

I'd highly suggest you transfer (to a travel partner) all UR points left in ur accounts ASAP. You don't know what tomorrow brings.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1196 on: May 03, 2012, 09:52:17 PM »
Thanks for a complete story which definitely has lots to learn of.

I'd highly suggest you transfer (to a travel partner) all UR points left in ur accounts ASAP. You don't know what tomorrow brings.
he doesn't have as he transferred to his brothers acct

Offline yaakov s

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1197 on: May 03, 2012, 09:52:24 PM »
Thanks for a complete story which definitely has lots to learn of.

I'd highly suggest you transfer (to a travel partner) all UR points left in ur accounts ASAP. You don't know what tomorrow brings.
Are we so sure that Chase isnt passing on this information to their affiliates and possibly causing airline account closures

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1198 on: May 03, 2012, 09:53:06 PM »
Are we so sure that Chase isnt passing on this information to their affiliates and possibly causing airline account closures
Do they also track airline transfers or just UR?

Offline bubbles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1199 on: May 03, 2012, 09:53:46 PM »
Are we so sure that Chase isnt passing on this information to their affiliates and possibly causing airline account closures

But what did you do to the airlines? They would close you down for selling UR points?