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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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.3%)
No (Bli Ayin Horah)
440 (73.3%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.8%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
66 (11%)

Total Members Voted: 598

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1194323 times)

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

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1220 on: May 04, 2012, 01:51:31 AM »
Quote
un men ken redden in an andera shparch oichet....

+1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1221 on: May 04, 2012, 02:15:26 AM »
many  have said that a high cl to income ratio is a trigger, what abt. cl that you are an  au on, do you think  that goes into the equation if it's on your cr

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1222 on: May 04, 2012, 02:34:57 AM »
I'm confused about the whole transferring bit.
If s/o wants to sell points to a broker, that's probably so he can transfer them to one of the programs. Why not just have the broker buy the miles in each account and transfer them into his program of choice, instead of first transferring them all into one account, and then selling them.
This way, there would be no UR to UR transfer which may raise a flag.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1223 on: May 04, 2012, 03:36:45 AM »
I'm confused about the whole transferring bit.
If s/o wants to sell points to a broker, that's probably so he can transfer them to one of the programs. Why not just have the broker buy the miles in each account and transfer them into his program of choice, instead of first transferring them all into one account, and then selling them.
This way, there would be no UR to UR transfer which may raise a flag.
Some do transfer to airlines

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1224 on: May 04, 2012, 03:49:03 AM »
Some do transfer to airlines
But why not transfer from the different accounts into the airlines? Why do an internal transfer first?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1225 on: May 04, 2012, 07:24:40 AM »
But why not transfer from the different accounts into the airlines? Why do an internal transfer first?
Most brokers buy upfront, and use them for clients that want secure transcations, to have it transferred into an account of their name, or to fill up half empty accounts they own.
So, they don't know before hand how much they'll need, and who the client will be, so meanwhile they just have them ready in their accounts.
Side income is the most solid income... בדוק ומנוסה

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1226 on: May 04, 2012, 11:29:11 AM »
Most brokers buy upfront, and use them for clients that want secure transcations, to have it transferred into an account of their name, or to fill up half empty accounts they own.
So, they don't know before hand how much they'll need, and who the client will be, so meanwhile they just have them ready in their accounts.
Or they buy from freedom etc. and they transfer to Sapphire.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1227 on: May 04, 2012, 11:30:02 AM »
many  have said that a high cl to income ratio is a trigger, what abt. cl that you are an  au on, do you think  that goes into the equation if it's on your cr
on my wife's card they said because she was an Au to me she got too many CC recently.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1228 on: May 04, 2012, 11:31:11 AM »
Brokers try to store points for future need. Sellers want their money ASAP

Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1229 on: May 04, 2012, 11:58:13 AM »
executive office denied me.  I think its time to sue in small claims court.  Located in NYC.  Where are people filing against.  I remember years ago when cyberrebate went under, many of us sued amex - vhem asu pshara lifnei hadin vnatan li et hakol.  Ani m'kaveh l'zeh od paam.