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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 1687206 times)

Offline yosefsv

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7240 on: September 12, 2021, 09:09:12 PM »
Also another q, if I pay my chase personal sapphire prefferd bill from a citi bank personal checking account, is that reason to be worried? I have a chase business account but not a chase personal.
Thanks
From your Citi account should not be a problem.
If it benefits even just one fellow DDFer, its worth posting it.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7241 on: September 13, 2021, 01:19:13 PM »
Will wait a month then hit up the business cards.

@CountValentine any luck with business cards?

How aggressive were you with risky spend on the consumer cards?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7242 on: September 13, 2021, 04:08:22 PM »
@CountValentine any luck with business cards?

How aggressive were you with risky spend on the consumer cards?
IP with no issue. Not instant but I never called and was approved.
I just do spend and then sock drawer.
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Offline Spoon

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7243 on: September 14, 2021, 02:04:08 PM »
Is paying your cc at the branch with cash an issue?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7244 on: September 14, 2021, 06:47:59 PM »
Is paying your cc at the branch with cash an issue?
Yes but they will probably warn you first.
Only on DDF does 24/6 mean 24/5/half/half

Offline Spoon

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7245 on: September 14, 2021, 07:03:26 PM »
Yes but they will probably warn you first.

Warn me before not to do it? Or after, not to do it again

Offline Joel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7246 on: September 14, 2021, 07:07:00 PM »
Yes but they will probably warn you first.
Why?
Are you not allowed to pay using cash? I also pay my mortgage with cash sometimes since the loan servicer is a local bank.



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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7247 on: September 14, 2021, 07:07:29 PM »
Warn me before not to do it? Or after, not to do it again
DP's that I seen is after and might get away with a couple of times before warning. Warning comes from the branch so doesn't mean much.
Only on DDF does 24/6 mean 24/5/half/half

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7248 on: September 14, 2021, 07:08:10 PM »
Why?
Are you not allowed to pay using cash? I also pay my mortgage with cash sometimes since the loan servicer is a local bank.
Chase's bank so they can make up whatever rules they want.
Only on DDF does 24/6 mean 24/5/half/half

Offline Spoon

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7249 on: September 14, 2021, 07:10:33 PM »
Warning comes from the branch so doesn't mean much.

Interesting.The teller acted like it was completely normal

Offline Joel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7250 on: September 14, 2021, 07:12:10 PM »
Chase's bank so they can make up whatever rules they want.
Anything thats excessive will get flagged
Just like spending to much
Its totally fine just be normal with it and don't abuse it

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7251 on: September 14, 2021, 07:13:46 PM »
Anything thats excessive will get flagged
Just like spending to much
Its totally fine just be normal with it and don't abuse it
You have a 15k balance and pay in cash. Is that abuse?
Only on DDF does 24/6 mean 24/5/half/half

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7252 on: September 14, 2021, 07:15:26 PM »
You have a 15k balance and pay in cash. Is that abuse?
Not sure the limit.. when this gets flagged

Offline Shmulyg

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7253 on: September 19, 2021, 03:39:55 AM »
Any help out there.  i got approved 6 month a go for a chase united after getting closed down almost 8 years ago last month i got approved for the shappire did only normal spending . today i got a latter from chase that they will be closing all of my chase account on Sep 11 since they see that a previous cards with them was closed . i did not do anything wrong what can i do its crazy with them i was so excited to be back with them and now this ?
Wife just got same letter. ("we decided to close your credit card account on Oct 03 because Chase closed a previous credit card." A/A was like 5 years back and she's been back with chase for over 3 years.) Did you try calling?

Offline sam28

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7254 on: September 19, 2021, 11:29:07 AM »
Wife just got same letter. ("we decided to close your credit card account on Oct 03 because Chase closed a previous credit card." A/A was like 5 years back and she's been back with chase for over 3 years.) Did you try calling?

Yes and it wont help. they told me even u get approved they will close it few month later . and it wont go away . not sure if he is right ? at least i got my points out and closed it my self

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7255 on: September 19, 2021, 11:35:37 AM »
Yes and it wont help. they told me even u get approved they will close it few month later .
Keep applying for business cards. Free points!!!  :)
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7256 on: September 19, 2021, 07:12:49 PM »
Keep applying for business cards. Free points!!!  :)
Why is business cards dfrinent? They won't clost it ?

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7257 on: September 19, 2021, 07:41:25 PM »
Why is business cards dfrinent? They won't clost it ?
Yes they will close them but who cares. Do the spend and receive the bonus.
Only on DDF does 24/6 mean 24/5/half/half

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7258 on: October 08, 2021, 04:01:23 PM »
Just received shutdown #5. Do I win a prize?
Only on DDF does 24/6 mean 24/5/half/half

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #7259 on: October 08, 2021, 05:59:19 PM »
Just received shutdown #5. Do I win a prize?
Once you get six, you'll be on par with Superbowl winners