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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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.5%)
No (Bli Ayin Horah)
431 (73.3%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
63 (10.7%)

Total Members Voted: 586

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1034294 times)

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1905 on: October 21, 2012, 11:32:51 AM »
So are the days of selling UR points over then?
Looks quite risky right now.
Just gotta deposit into the customer's account, at least till they crack down on that.

2% cb cards are looking better by the minute...

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1906 on: October 21, 2012, 12:03:55 PM »
2% cb cards are looking better by the minute...

-1

At least not for premium cabin international traveling.

But, hey, if you wanna travel in Y, the Fidelity AmEx awaits you :P
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1907 on: October 21, 2012, 12:21:40 PM »
What is the smallest infraction that someone was closed down for?

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1908 on: October 21, 2012, 12:21:53 PM »
-1

At least not for premium cabin international traveling.

But, hey, if you wanna travel in Y, the Fidelity AmEx awaits you :P
Let's not keep going back to this. We always tread the same ground.

For those who either have too many miles, or have kids or work requirements that make traveling difficult, then 2% cb is a great option.

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1909 on: October 21, 2012, 12:39:54 PM »
So are the days of selling UR points over then?
Util thy crack down on transfers to people's FF accounts I doubt 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.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1910 on: October 21, 2012, 12:47:14 PM »
Let's not keep going back to this. We always tread the same ground.

For those who either have too many miles, or have kids or work requirements that make traveling difficult, then 2% cb is a great option.

It's a misleading statement that should be accompanied by a statement kind of like the one above.

Besides, who has "too many miles?" And someone with too many miles can use a *W card and get >2%. Or depending on your type of purchases, earn ~10% with an IB.
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Offline Saver2000

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1911 on: October 21, 2012, 12:55:30 PM »
Ajk and reuvain please continue your OT conversation here
http://forums.dansdeals.com/index.php?topic=3231.msg33320#msg33320
Thanx

(Can't find the newer thread that was started for helpme)

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1912 on: October 21, 2012, 01:29:17 PM »
Any shutdown for a transfer of below 100k?
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Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1913 on: October 21, 2012, 03:16:34 PM »
It's a misleading statement that should be accompanied by a statement kind of like the one above.

Besides, who has "too many miles?" And someone with too many miles can use a *W card and get >2%. Or depending on your type of purchases, earn ~10% with an IB.
All I wrote was "2% cb cards are looking better by the minute...".
N/t misleading in that. Didn't write that ppl should chuck their SP cards...

Offline chilipalmer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1914 on: October 22, 2012, 11:59:27 AM »
Those terms quotes are talking about two different things, AFAIK. One is about transfers to outside companies like UA, Hyatt, etc.

The other is about transfers internally to other UR accounts.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1915 on: October 22, 2012, 12:12:56 PM »
Those terms quotes are talking about two different things, AFAIK. One is about transfers to outside companies like UA, Hyatt, etc.

The other is about transfers internally to other UR accounts.

What are you referring to?

In the future, to avoid ambiguity, use the "Quote" button.
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Offline Redbull3

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1916 on: October 22, 2012, 01:56:53 PM »
What are you referring to?

In the future, to avoid ambiguity, use the "Quote" button.

The first term below refers to ff accounts, the second refers to UR account.

BTW - my point before was that the terms refers to your UR account, not your CC account.

By the way, it looks like Chase recently changed their T&Cs for transfer to frequent flyer accounts (as opposed to UR-->UR).

It USED to be:

“You can only transfer points to a frequent travel account belonging to you, your household member or an authorized user or employee.”

It currently is:

Ultimate Rewards point transfer features are designed to allow our cardmembers to take advantage of the rewards they earn. The features are not intended to allow transfers to third parties other than a spouse or domestic partner of the cardmember. Transfers to unauthorized third parties or any other abuse of the Ultimate Rewards program may result in suspension or termination of the ability to participate in the program and forfeiture of points already earned.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1917 on: October 22, 2012, 02:24:16 PM »
The first term below refers to ff accounts, the second refers to UR account.


Incorrect.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1918 on: October 22, 2012, 03:40:18 PM »
In any case, new terms or not, I don't think we have any reports of closure for UR > airline xfers. IMHO opinion the bloggers shouldn't have made it so obvious to Chase.

If these miles cost them <1cpp (pure speculation), why do they care if people trade them for more, incentivizing people to spend more $$$ on Chase cards?
« Last Edit: October 22, 2012, 03:47:32 PM by AsherO »
PGF24BMGS

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #1919 on: October 22, 2012, 03:55:00 PM »
If these miles cost them <1cpp (pure speculation), why do they care if people trade them for more, incentivizing people to spend more $$$ on Chase cards?
They should take the 50k cap off the Bold/Plus cards also.  :)
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