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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 1687002 times)

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1340 on: May 10, 2012, 05:05:57 PM »
last apps was in nov. no  UR transfer in the last few months
credit line/income ratio?
You did do ur transfers in the past, not to spouse?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1341 on: May 10, 2012, 05:06:23 PM »
last apps was in nov. no  UR transfer in the last few months
I know everyone is getting tired of this question but I have to ask. Did you have an AARP card?
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1342 on: May 10, 2012, 05:11:04 PM »
I know everyone is getting tired of this question but I have to ask. Did you have an AARP card?
apparantly not as he would've been closed down a while ago

Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1343 on: May 10, 2012, 05:13:34 PM »
I know everyone is getting tired of this question but I have to ask. Did you have an AARP card?
no

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1344 on: May 10, 2012, 05:14:51 PM »
apparantly not as he would've been closed down a while ago
Some are still being closed.
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Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1345 on: May 10, 2012, 05:15:24 PM »
credit line/income ratio?
You did do ur transfers in the past, not to spouse?
CL 18k personal 18k biz income 60k
UR to my account from other accounts  was a long time ago

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1346 on: May 10, 2012, 05:18:50 PM »
@miles - How about cash equivalents? Funding bank accounts, AP, Venmo, SQ, Amex GC’s and the like.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1347 on: May 10, 2012, 05:20:44 PM »
CL 18k personal 18k biz income 60k
UR to my account from other accounts  was a long time ago
How many active cards and how many closed within last 2 months?
Side income is the most solid income... בדוק ומנוסה

Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1348 on: May 10, 2012, 05:28:36 PM »
How many active cards and how many closed within last 2 months?
my last app was in nov.
open cards
amex 3
citi 2
bofa 2
dis 1
chase 3
my report shows 23 good accounts but that's includes a lot of closed accounts
they told me i have 237k in CL but i only have about 116k

Offline miles

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1349 on: May 10, 2012, 05:55:41 PM »
any advice hoe to get it reopened

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1350 on: May 10, 2012, 07:08:49 PM »
it seems like having too much total credit is the red flag

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1351 on: May 10, 2012, 08:45:02 PM »
it seems like having too much total credit is the red flag
Or too little stated income  ;)
BTW, the following happened to me with BofA, and Citi. I was on the phone with rep for whatever reason when, out of the blue, the rep asked me if I would like to update my info with them, such as yearly income. I believe it was a choice and not mandatory.
I remember that with BofA, my CL ended up getting reduced based on that "new information". Needless to say, when it happened with Citi I choose not to update it..
Also every bank asks for income info when someone asks for a CL increase.

I suggest that people can call Chase and tell them they want to update their info on file, or ask for a CL increase, obviously a small one like an extra $1,000, and "update their info" by stating a higher yearly income.
That could take care of the credit to income ratio issue.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1352 on: May 10, 2012, 10:31:17 PM »
Would cancelling cards also work or asking them to reduce your credit line

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1353 on: May 10, 2012, 10:52:03 PM »
Would cancelling cards also work or asking them to reduce your credit line
It's been suggested earlier in this thread.
Not the best move for your credit score though.
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Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1354 on: May 10, 2012, 11:07:34 PM »
what are ddfers doing? are you shutting down some chase cards to lower you CL from chase. (Alot of DDFers have so much credit, it won't change their utilization levl too much to cut some of their Chase CL). I have this paranoia that closing a card might somehow increase my chances of getting AA'd.
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1355 on: May 10, 2012, 11:10:15 PM »
It's been suggested earlier in this thread.
Not the best move for your credit score though.
I think Dan has shown that canceling cards has an impact of your cs, but that it's minor. Is this correct?
Also, it would seem that since Chase doesn't do a/t resembling an FR where they request income verification, that s/o could misstate their income and never be caught...

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1356 on: May 10, 2012, 11:28:43 PM »
They dont verify income but they shut down

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1357 on: May 10, 2012, 11:56:17 PM »
what are ddfers doing? are you shutting down some chase cards to lower you CL from chase. (Alot of DDFers have so much credit, it won't change their utilization levl too much to cut some of their Chase CL). I have this paranoia that closing a card might somehow increase my chances of getting AA'd.
The issue is with the overall CL, not just the Chase CL.
I think Dan has shown that canceling cards has an impact of your cs, but that it's minor. Is this correct?
Granted. Especially for people who pay in full every month. Nevertheless if updating the CL works, it is an even better, non-invasive, move.
Also, it would seem that since Chase doesn't do a/t resembling an FR where they request income verification, that s/o could misstate their income and never be caught...
I explained how banks update your income info on post #1353, it isn't necessarily done by checking with the IRS.
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Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1358 on: May 10, 2012, 11:58:45 PM »
They dont verify income but they shut down
I think his point was that if they shut down because of high CL vs. Income then you might be able to avoid getting shut by simply adjusting your income higher. (as opposed to Amex where they verify your income)

Offline Lamdan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1359 on: May 11, 2012, 12:03:26 AM »
It seems like it's good to have a lower income for amex (closer to your tax return, in case of FR) and a higher income by Chase. Is the income you report to cc companies anywhere on your credit report, which wil show the contradiction?
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