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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 1687226 times)

Offline mmermss

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2100 on: December 11, 2012, 07:21:33 AM »
Or leave it there????? why not? and what is it better in my Freedom then the Sapphire?? is the knock down now only on SApphire?
Huh?
It's not about the quantity of your posts.  It's about the quality.

Offline sruly101

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2101 on: December 11, 2012, 07:32:58 AM »
I have now 160K UR points from my sapphire, so im asking whats the bst doing with it as of now? (what i want the end of the day, is to sell it) 1. should wait maybe it will cool down the whole closing accounts.....? 2. transfer it to my freedom? (what do i gain from it) or......?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2102 on: December 11, 2012, 07:46:16 AM »
I have now 160K UR points from my sapphire, so im asking whats the bst doing with it as of now? (what i want the end of the day, is to sell it) 1. should wait maybe it will cool down the whole closing accounts.....? 2. transfer it to my freedom? (what do i gain from it) or......?
Sell them, close the account and then apply again in a couple months.
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Offline mmermss

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2103 on: December 11, 2012, 07:49:01 AM »
I have now 160K UR points from my sapphire, so im asking whats the bst doing with it as of now? (what i want the end of the day, is to sell it) 1. should wait maybe it will cool down the whole closing accounts.....? 2. transfer it to my freedom? (what do i gain from it) or......?
Sell them to another UR account? Or to another persons ffn? Because they're both triggers for an A/A...
It's not about the quantity of your posts.  It's about the quality.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2104 on: December 11, 2012, 07:59:11 AM »
What do you consider the first wave, there have been many?
I'm thinking about the AARP wave in the BOY when they closed down all accounts, not just the AARP card.
Now, they appear to only close down the 'abused' card.
« Last Edit: December 11, 2012, 09:02:15 AM by Drago »

Offline Moishebatchy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2105 on: December 11, 2012, 08:42:27 AM »
I'm thinking about the AARP wave in the BOY when they closed down all accounts, not just AARP/

?

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2106 on: December 11, 2012, 08:44:12 AM »
Update:

Got the letter yesterday saying that my SP will be closed 12/12.

Applied for Ink Bold last night and then called recon this morning. Was approved!! I asked the rep to please close my SP and transfer CL to the INK, he said that he can do that as soon as bill is completely paid off (paid off in full last night but takes bout 24 hours to show).

No statements or questions asked regarding upcoming SP closure.  :)

Offline Moishebatchy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2107 on: December 11, 2012, 08:46:41 AM »
I'm in Israel; all my snail mail goes to the US. Would I get any sort of e-communication if, chas veshalom, they come after me? I wouldn't see the paper letter until it was too late...

Offline mmermss

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2108 on: December 11, 2012, 08:47:44 AM »
Update:

Got the letter yesterday saying that my SP will be closed 12/12.

Applied for Ink Bold last night and then called recon this morning. Was approved!! I asked the rep to please close my SP and transfer CL to the INK, he said that he can do that as soon as bill is completely paid off (paid off in full last night but takes bout 24 hours to show).

No statements or questions asked regarding upcoming SP closure.  :)
Nice!
You didnt have any other cards opened you couldve transferred the CL to?
It's not about the quantity of your posts.  It's about the quality.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2109 on: December 11, 2012, 08:50:38 AM »
I have the Freedom, just wanted to chap in a application before I have a card officially closed down etc. (was a risk)

Either way I cant transfer the limit until the payment shows. Hoping it shows before 12 so i can transfer the CL.

Offline mmermss

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2110 on: December 11, 2012, 08:52:34 AM »
I have the Freedom, just wanted to chap in a application before I have a card officially closed down etc. (was a risk)

Either way I cant transfer the limit until the payment shows. Hoping it shows before 12 so i can transfer the CL.

What did you do with the points?
It's not about the quantity of your posts.  It's about the quality.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2111 on: December 11, 2012, 08:56:36 AM »
What did you do with the points?

there were only 3k in the account. Transferred em to FF acct.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2112 on: December 11, 2012, 09:03:17 AM »
@mordy44:
I was once told to first pay off the balance and then they could move the CL, I HUCA'd a few minutes latter and they were able to move the CL even without paying off the balance.
Love me or hate me. I still love you.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2113 on: December 11, 2012, 09:05:47 AM »
@mordy44:
I was once told to first pay off the balance and then they could move the CL, I HUCA'd a few minutes latter and they were able to move the CL even without paying off the balance.

Nice. Will try again shortly.

Offline mmermss

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2114 on: December 11, 2012, 09:08:55 AM »
@mordy44:
I was once told to first pay off the balance and then they could move the CL, I HUCA'd a few minutes latter and they were able to move the CL even without paying off the balance.

They moved all CL or only available credit?
It's not about the quantity of your posts.  It's about the quality.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2115 on: December 11, 2012, 09:09:42 AM »
But maybe in your case its not worth to rock the boat.
Love me or hate me. I still love you.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2116 on: December 11, 2012, 09:18:17 AM »
But maybe in your case its not worth to rock the boat.

True. Will wait until 7ish tonight. I'll Try to call business recon again and have them do it. Last rep didnt seem to notice anything was happening.

Offline Mimi K.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2117 on: December 11, 2012, 11:33:56 AM »
I have the Freedom, just wanted to chap in a application before I have a card officially closed down etc. (was a risk)

Either way I cant transfer the limit until the payment shows. Hoping it shows before 12 so i can transfer the CL.
I once showed tham that I made a payment and she transferred the CL before it posted!
"Life, Liberty and the Pursuit of Free Stuff!" 8)

Offline sruly101

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2118 on: December 11, 2012, 01:44:23 PM »
Can i move the whole CL from a card and leave the CL 0 and still leave the card open?

Offline sruly101

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2119 on: December 11, 2012, 01:46:29 PM »
Update:

Got the letter yesterday saying that my SP will be closed 12/12.

Applied for Ink Bold last night and then called recon this morning. Was approved!! I asked the rep to please close my SP and transfer CL to the INK, he said that he can do that as soon as bill is completely paid off (paid off in full last night but takes bout 24 hours to show).

No statements or questions asked regarding upcoming SP closure.  :)
What did u do that u got this letter?