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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 1687551 times)

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1200 on: May 03, 2012, 09:54:23 PM »
Do they also track airline transfers or just UR?
Airline transfers are legal so they probably don't

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1201 on: May 03, 2012, 09:57:57 PM »
Airline transfers are legal so they probably don't

IIRC you're not allowed to transfer to airline accounts except yours and your spouses.
So same rules apply for UR or Travel Partners

Offline oldguy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1202 on: May 03, 2012, 10:01:06 PM »
IIRC you're not allowed to transfer to airline accounts except yours and your spouses.
So same rules apply for UR or Travel Partners
source?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1203 on: May 03, 2012, 10:02:39 PM »
source?

+1, I've never seen that.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1204 on: May 03, 2012, 10:03:20 PM »
IIRC you're not allowed to transfer to airline accounts except yours and your spouses.
Where does it say?
also it seems they arent makpid or dont check

Offline yaakov s

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1205 on: May 03, 2012, 10:03:29 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 -
The question is what happened to your brothers account after it was sold . How many transfers were done by the broker and how big were they?

Offline Jerseysteve

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1206 on: May 03, 2012, 10:05:21 PM »
I find it hard to believe that someone is looking at every transfer. Probably they have an algorithm that monitors transfers churning and other factors flags accounts for someone at Chase to look at. That being said it seems that transferring plays a big role.
In my case I imagine my brother's account got flagged - he did push the envelope - however why my father's was shut for transferring 50k points and having 3 cards is puzzling.
I cleaned out all remaining points.
The only rational I have is that if the transfers 6 weeks ago triggered something - at that time I only had a continental card which I paid the yearly fee (after getting $100 not to cancel) and the sapphire card.   

Offline 123ablack

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1207 on: May 03, 2012, 10:12:36 PM »
source?
+1, I've never seen that.
I might be wrong.  That's whats sitting in my mind can't recall where I picked that up from

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1208 on: May 03, 2012, 10:24:34 PM »
In my case I imagine my brother's account got flagged - he did push the envelope - however why my father's was shut for transferring 50k points and having 3 cards is puzzling.
I cleaned out all remaining points.

It doesn't take a rocket scientist to find (either via algorithm or human review) a large culprit and trace back to find out how he became that culprit.

In other words, if I had to guess, I'd bet that the points broker in Lakewood who bought 350K+ from your brother also got shut down. From there its simply a records search to find out who sold the broker the points. Bingo: your brother. And on and on.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1209 on: May 03, 2012, 11:30:48 PM »
Based on this thread it seems its a 16 percent chance of getting A/Aed.
What are most people doing with their points?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1210 on: May 04, 2012, 12:26:00 AM »
Since I am now getting a bunch of PM here is the exact story.
Great data points but you are posting way too much information. If someone at Chase wanted to pinpoint who you are it would be very easy.
"Elvis Has Left The Building"

Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1211 on: May 04, 2012, 12:40:02 AM »
Based on this thread it seems its a 16 percent chance of getting A/Aed.
What are most people doing with their points?
now that jerseysteve was kind enough to share his story, I think we can all take a deep breath. The only people who should be scared are those who did transfers to non-spouse accounts

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1212 on: May 04, 2012, 12:42:21 AM »
now that jerseysteve was kind enough to share his story, I think we can all take a deep breath. The only people who should be scared are those who did transfers to non-spouse accounts

iiiiiiii'm not so sure that's the right takeaway...
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Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1213 on: May 04, 2012, 12:44:06 AM »
iiiiiiii'm not so sure that's the right takeaway...
Im totally not sure either, but its definitely a good lead

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1214 on: May 04, 2012, 01:16:10 AM »
Im totally not sure either, but its definitely a good lead
I've been following this thread all the way through... seems to be a trigger but I'm pretty sure some said they did no such things and were hit with an A/A just the same...

Offline Avid Reader

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1215 on: May 04, 2012, 01:19:54 AM »
I'm pretty sure some said they did no such things and were hit with an A/A just the same...
Confirmed.

Offline Steven

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1216 on: May 04, 2012, 01:24:28 AM »
I've been following this thread all the way through... seems to be a trigger but I'm pretty sure some said they did no such things and were hit with an A/A just the same...
def true, but as help me and a lot of other ppl will tell you, many ppl won't/shouldn't admit on a blog to selling UR points

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1217 on: May 04, 2012, 01:27:12 AM »
Confirmed.
?

def true, but as help me and a lot of other ppl will tell you, many ppl won't/shouldn't admit on a blog to selling UR points

Unless zeh beivrit :)

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1218 on: May 04, 2012, 01:47:49 AM »
?

Unless zeh beivrit :)
LOL un men ken redden in an andera shparch oichet....

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1219 on: May 04, 2012, 01:49:14 AM »
LOL un men ken redden in an andera shparch oichet....
Am yochilim le havin yiddish az zeh lama medabrim be ivrit