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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 1687020 times)

Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1300 on: May 07, 2012, 08:46:09 PM »
To be honest I have not pulled out t&cs.  But I can confirm their mamzerus status  :o

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1301 on: May 07, 2012, 08:47:29 PM »
To be honest I have not pulled out t&cs.  But I can confirm their mamzerus status  :o

For legal purposes, it would be good to know.
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Offline Name Changed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1302 on: May 07, 2012, 08:50:34 PM »
It was from my UA account.  tHey actually clawed them back.  They had been posted the prior month and they said that since my account had to remain in good standing that they could claw them back.
I feel your pain ... A bunch of Mamzeirim!

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1303 on: May 07, 2012, 08:56:18 PM »
It was from my UA account.  tHey actually clawed them back.  They had been posted the prior month and they said that since my account had to remain in good standing that they could claw them back.

Wow, first actual instance of bonus clawback I've actually read.

Sorry for your loss, man.
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Offline shidduch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1304 on: May 07, 2012, 09:50:25 PM »
My loss should be a kapara - But thank you for your good wishes.  But dont worry I will make sure all my losses are Chase's pain in some way or another. 

Everyone should start checking their statements once they come in.  I bet I am not the only one.


Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1305 on: May 07, 2012, 09:56:20 PM »
They should be AAed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1306 on: May 07, 2012, 09:58:16 PM »

Online askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1307 on: May 07, 2012, 10:19:37 PM »
Who?


I believe he is referring to chase

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1308 on: May 08, 2012, 01:18:01 AM »
Wow, first actual instance of bonus clawback I've actually read.
Here is something that happened with the AARP card. Cash back was redeemed as a statement credit. About two weeks later they closed the account for "not used as intended". About a week after that they clawed back the rewards.
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Offline Side incomer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1309 on: May 08, 2012, 01:28:17 AM »
@SideIncomer, do you still think your situation was the same as Shidduch?
My original miles that posted a month before stayed there, the 20K pending did not go into account.
And they had reason to take them back, since it was my wifes second UA card.
And you're right, it's time to use them before they claw them back.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1310 on: May 08, 2012, 01:34:12 AM »
Here is something that happened with the AARP card. Cash back was redeemed as a statement credit. About two weeks later they closed the account for "not used as intended". About a week after that they clawed back the rewards.

That's why many ppl would request the bonus check instead.
I wonder what would happen if the UA miles were used b/f Chase tried clawing them back. Would Chase send you a bill, and would you be obligated to pay?

And can't a complaint be made with UA that once the miles are deposited in your UA account, that they are owned by you, and you don't give permission for third parties to remove anything from your account?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1311 on: May 08, 2012, 01:41:27 AM »
That's why many ppl would request the bonus check instead.
Then you risk the chance of a stop payment but I don't think that happened to anyone.
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Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1312 on: May 08, 2012, 09:38:00 AM »
Here is something that happened with the AARP card. Cash back was redeemed as a statement credit. About two weeks later they closed the account for "not used as intended". About a week after that they clawed back the rewards.

That's slightly different IMO, as I find the cash back redemption more akin to spend points and not bonus points as they are accrued (and redeemed) monthly.

That's why many ppl would request the bonus check instead.

Not sure why you think that would help. They could just bill you for the awards on your next statement.

And can't a complaint be made with UA that once the miles are deposited in your UA account, that they are owned by you, and you don't give permission for third parties to remove anything from your account?

You can make that complaint, but you won't win. The miles aren't owned by you. Ever. They're property of the mileage program.
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Offline Avid Reader

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1313 on: May 08, 2012, 11:04:31 PM »


The miles aren't owned by you. Ever. They're property of the mileage program.

What are you basing this on?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1314 on: May 08, 2012, 11:05:32 PM »
Oh, the T&Cs of pretty much every frequent flyer program.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1315 on: May 08, 2012, 11:07:54 PM »
Aside from the TC, has a case ever come to court involving miles, where the court ruled that the miles are property of the program?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1316 on: May 08, 2012, 11:09:25 PM »
Couldn't tell you. Never researched it.
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Offline mclovin

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1317 on: May 09, 2012, 07:05:33 PM »
if one were to make a new new ua account and then merge them, but keep the new number, would chase be able to take them back

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1318 on: May 09, 2012, 07:16:30 PM »
Yes.
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 #1319 on: May 09, 2012, 07:26:27 PM »