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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 1686750 times)

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1320 on: May 09, 2012, 08:15:35 PM »

Offline Fan of Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1321 on: May 09, 2012, 08:29:11 PM »
why/how
the same way your record from the first account goes to the second like statues etc, they would also be able to trace it

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1322 on: May 09, 2012, 08:58:52 PM »
how come the AA's in the polls go up but no one is commenting

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1323 on: May 09, 2012, 09:17:12 PM »
how come the AA's in the polls go up but no one is commenting

People don't want to post info like that in a public forum, especially if they're hoping to get their account reopened and/or get something for their points...
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Offline Saver2000

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1324 on: May 09, 2012, 09:30:16 PM »
Yes.

So whenever you churn a cc using a new ff number,  you don't merge the new account with you're old one even after the miles post?

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1325 on: May 09, 2012, 09:34:17 PM »
So whenever you churn a cc using a new ff number,  you don't merge the new account with you're old one even after the miles post?
I did not say that.
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 michael

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1326 on: May 09, 2012, 09:37:49 PM »
So whenever you churn a cc using a new ff number,  you don't merge the new account with you're old one even after the miles post?

Is it possible to simply contact the airline and cancel the FF number, so that it's really a new account?

Offline Saver2000

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1327 on: May 09, 2012, 09:39:24 PM »
I did not say that.

Sorry. Just reread.

You're saying that its possible that chase will yank back the signup bonus if/when somebody merges?

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1328 on: May 09, 2012, 09:41:29 PM »
Sorry. Just reread.

You're saying that its possible that chase will yank back the signup bonus if/when somebody merges?
They can do whatever they want, they just don't in that scenario.
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 aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1329 on: May 09, 2012, 11:08:44 PM »
People don't want to post info like that in a public forum, especially if they're hoping to get their account reopened and/or get something for their points...
How can chase know who they are ?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1330 on: May 10, 2012, 12:18:57 AM »
How can chase know who they are ?
+1 , unless they are paranoid maybe? In their sitch who can blame them

Offline askmoses

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1331 on: May 10, 2012, 12:52:40 AM »
How can chase know who they are ?

I can't think of any way they can... not like they are posting exact figures of numbers taken away or anything like that...

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1332 on: May 10, 2012, 01:22:35 AM »
How can chase know who they are ?

DDF handle, details posted, their other posts, etc.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1333 on: May 10, 2012, 02:27:54 AM »
Just saw some reports in FW in the AARP thread that a few ppl have received letters apologizing for having their accounts closed in error.
It would be interesting to see if it's just AARP ppl receiving them, or all types.

Regardless, maybe there's a light at the end of the tunnel.

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1334 on: May 10, 2012, 02:30:22 AM »
Just saw some reports in FW in the AARP thread that a few ppl have received letters apologizing for having their accounts closed in error.
It would be interesting to see if it's just AARP ppl receiving them, or all types.

Regardless, maybe there's a light at the end of the tunnel.
…just make sure that light is not an oncoming train.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1335 on: May 10, 2012, 03:28:06 AM »
…just make sure that light is not an oncoming train.
If it's an Amtrak train, it'll be late.

Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1336 on: May 10, 2012, 03:17:15 PM »
today i see they closed my wife's and my personal and biz accounts but my ink bold don't say online closed

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1337 on: May 10, 2012, 03:48:06 PM »
today i see they closed my wife's and my personal and biz accounts but my ink bold don't say online closed
I feel bad for you, this is getting scary.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1338 on: May 10, 2012, 03:55:41 PM »
today i see they closed my wife's and my personal and biz accounts but my ink bold don't say online closed
It actually says that they're closed, or that you don't have access to them?
Also, are you willing to give us any data points?

Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1339 on: May 10, 2012, 04:58:13 PM »
It actually says that they're closed, or that you don't have access to them?
Also, are you willing to give us any data points?
last apps was in nov. no  UR transfer in the last few months