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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 1687005 times)

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1360 on: May 11, 2012, 12:22:52 AM »
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)
+1

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?
All things being equal, its best to list income as what it is so that the app is as truthful as possible. But on a theoretical plane, you are correct.

Offline txtmax4

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1361 on: May 11, 2012, 01:21:18 AM »
The best and easiest thing that could be done about this for starters is remove oneself from any account that one is an AU by.
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Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1362 on: May 11, 2012, 01:23:37 AM »
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)
I was just saying how ironic it is, that they are easy going with not verifying income , compared to amex. But A/A randomly

Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1363 on: May 11, 2012, 04:29:00 AM »
I was just saying how ironic it is, that they are easy going with not verifying income , compared to amex. But A/A randomly

That's not the only ironic (moronic, actually) thing about A/As:

They don't let you make a case for yourself, or show other assets.
They don't slash credit lines (much, they did this a lot back in '08).
They don't take the time to explain to anyone what exactly their case is, they just send a letter and even the executive dept. won't discuss it with many people, they say it all has to be in writing.
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Offline Fan of Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1364 on: May 11, 2012, 02:40:26 PM »
Is this A/A happening in the non flyer communities to people who use credit cards to just make purchases etc?

Offline Walk On the Ocean

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1365 on: May 11, 2012, 02:57:38 PM »
So let me get this straight:
Having too much credit and making UR transfers seem to be triggers for A/A
3BM's and churning are (according to what I have read in this thread) not triggers. Right?
(IE, many people who have been A/A'd have not been churning or doing 3 BM's)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1366 on: May 11, 2012, 03:08:25 PM »
When will people stop with all the blanket rules?

3BM's and churning are (according to what I have read in this thread) not triggers. Right?

Wrong.

I know at least 3 people who were shut down as a result of too many new accounts/inquiries.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Walk On the Ocean

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1367 on: May 11, 2012, 04:56:14 PM »
When will people stop with all the blanket rules?

Wrong.

I know at least 3 people who were shut down as a result of too many new accounts/inquiries.
Gotcha
But 3BM's are not a direct trigger, right?
Not trying to make blanket rules, just trying to find out how safe it would be to do my next 3BM (in a month or so)

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1368 on: May 11, 2012, 05:01:30 PM »
Gotcha
But 3BM's are not a direct trigger, right?
Not trying to make blanket rules, just trying to find out how safe it would be to do my next 3BM (in a month or so)

Direct trigger? As opposed to an indirect one?

Dan is of the opinion that it isn't, and he very well may be right.

Though to state the obvious: 3BM is signing up for three cards simultaneously. If one is approved for all three, his or her new accounts (and possibly new inquiries) increase commensurately. You do the math.
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Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1369 on: May 11, 2012, 05:02:52 PM »
Exactly, indirect.
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Offline Walk On the Ocean

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1370 on: May 11, 2012, 05:04:32 PM »
Exactly, indirect.
Gotcha, thanks guys

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1371 on: May 12, 2012, 03:40:46 PM »

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1372 on: May 12, 2012, 04:28:23 PM »
When will people stop with all the blanket rules?

Wrong.

I know at least 3 people who were shut down as a result of too many new accounts/inquiries.
How do they know? That's what the letter to them said? It wasn't the "not used as intended' stuff?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1373 on: May 12, 2012, 04:34:36 PM »
How do they know? That's what the letter to them said? It wasn't the "not used as intended' stuff?

If you call them they will tell you.

Does anybody know of any strategy that would help to get reopened in such a case?

Would being added as an AU on somebody else’s old account help for the limited credit history problem?
 -and would it make sense to do so even though it would increase the total CL??
« Last Edit: May 12, 2012, 06:32:13 PM by presidentialplus »

Offline Lamppost

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1374 on: May 13, 2012, 06:28:58 AM »
I do not yet know why as their lending office is closed today. But is this something I should be worried about? Will it kill my credit? Will I lose my 110,000 UR points that are in my sapphire card profile? How worried should i be about this? Any input would be greatly appreciated!!


Offline sawlw

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1375 on: May 13, 2012, 06:47:47 AM »
Sorry to hear but you have company....refer to this thread
http://forums.dansdeals.com/index.php?topic=11216.0

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1376 on: May 13, 2012, 07:34:17 AM »
I do not yet know why as their lending office is closed today. But is this something I should be worried about? Will it kill my credit? Will I lose my 110,000 UR points that are in my sapphire card profile? How worried should i be about this? Any input would be greatly appreciated!!
or its the normal sunday morning maintenance!.

Offline creditor

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1377 on: May 13, 2012, 07:54:04 AM »
or its the normal sunday morning maintenance!.
+100
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Offline Lamppost

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1378 on: May 13, 2012, 08:22:38 AM »
Does a forced shutdown like this destroy your credit?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1379 on: May 13, 2012, 08:37:02 AM »
Does a forced shutdown like this destroy your credit?
No
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